Model Fitting

Q1: Generate a model to predict aid received?

We will use a linear model to predict aid received, which is defined as the sum of ihpAmount and fipAmount. This dataset spans over 22 years, so for the purposes of this analysis, we will only consider monetary variables after adjusting for inflation.

dat <- IAdata1

# Create a variable describing aid received, after adjusting for inflation.
dat$IAaidReceived <- dat$IAihpAmount + dat$IAfipAmount

# Remove variables nonessential to our model, including: non inflation adjusted variables, variables directly related to the computation of aid received, variables that produce a contrast error, and irrelevant variables like id and lastRefresh.
dat <- select(dat, -c('haAmount', 'ihpAmount', 'fipAmount', 'onaAmount', 'rpfvl', 'ppfvl',
                      'floodDamageAmount', 'foundationDamageAmount', 'roofDamageAmount',
                      'rentalAssistanceAmount', 'repairAmount', 'replacementAmount', 
                      'personalPropertyAmount', 'IAihpAmount', 'IAfipAmount', 'IAhaAmount', 
                      'IArentalAssistanceAmount', 'IApersonalPropertyAmount', 
                      'IAonaAmount', 'sbaEligible', 'ownRent', 'id', 'lastRefresh'))

# Factor all categorical variables.
categoricalvars = c('incidentType', 'disasterNumber', 'county', 'damagedStateAbbreviation',
                    'damagedCity', 'damagedZipCode', 'applicantAge', 'householdComposition',
                    'occupantsUnderTwo', 'occupants2to5', 'occupants6to18', 'occupants19to64',
                    'occupants65andOver', 'grossIncome', 'residenceType',
                    'registrationMethod', 'haStatus', 'renterDamageLevel', 'highWaterLocation')

for (var in categoricalvars){
  dat[[var]] <- factor(dat[[var]])
}

# Our linear model may also struggle with our date column. Let's convert this to a numeric variable.
dat <- mutate(dat, declarationDate = as.numeric(declarationDate))

With 63 variables remaining (many of them categorical), it is far too computationally expensive to use the all subsets method to find the a starting point for our model. Instead, we will be using a stepwise selection method to narrow down our variables. Unfortunately, step procedures run into errors when fed data with missing values. This is because varying the predictors used in the model may result in completely missing cases if all of their included predictors are NA. Thus, we gain an error from the resulting change in the number of cases.

# Removing NA Values
mod1dat <- na.omit(dat)

# Stepwise selection method
Full <- lm(IAaidReceived~., data=mod1dat)
MSE <- (summary(Full)$sigma)^2
none <- lm(IAaidReceived~1, data=mod1dat)
mod1 <- step(none, scope = list(upper=Full), scale = MSE)
kbl(summary(mod1)$coef) %>%
  kable_styling(bootstrap_options = "striped", full_width = F, position = "center") %>%
  scroll_box(height = "300px")
Estimate Std. Error t value Pr(>|t|)
(Intercept) 4811.5464521 3538.0866766 1.3599289 0.1739052
haStatusENCOMP - Eligible - Two months non-compliance -5158.8775407 3321.2766684 -1.5532815 0.1204104
haStatusER - Eligible - Rental Assistance -5041.1734529 3242.3577006 -1.5547863 0.1200515
haStatusERCT - Eligible - Recertification 6960.5512081 3247.7965557 2.1431611 0.0321416
haStatusERFD - Eligible - Readily Fabricated Dwelling -4079.7625687 3276.3314097 -1.2452228 0.2131001
haStatusERFI - Eligible - Rental, Flood Insurance -4963.2564864 4556.6014962 -1.0892452 0.2760910
haStatusERIA - Eligible - Inaccessible -4261.9771405 3264.6918628 -1.3054761 0.1917825
haStatusERSUPP - Eligible - Recertification Supplement 7389.0157188 3305.8661468 2.2351225 0.0254472
haStatusERU - Eligible - Utilities Out -4964.3412857 3372.2324877 -1.4721231 0.1410418
haStatusETR - Eligible - Transient Housing -4044.2702977 3254.2648361 -1.2427600 0.2140065
haStatusI69,IIDV - Ineligible - Signature not Obtained (90-69B or 90-69D), Failed Identity Verification -7019.2628173 4582.8314220 -1.5316433 0.1256650
haStatusI69,ILDOBR,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Linked For Duplicate Review, Occupancy Not Verified -4543.4844779 4587.2415114 -0.9904611 0.3219900
haStatusIAW - Ineligible - Same Address -4406.6129793 3262.9272879 -1.3505091 0.1769054
haStatusIDUPA - Duplicate Application -5082.4255602 3314.3990041 -1.5334381 0.1252224
haStatusIID- Ineligible - Insufficient Damage -3861.6746049 3408.5980177 -1.1329217 0.2572939
haStatusIIDV - Ineligible - Failed Identity Verification -4889.4189298 3422.6706300 -1.4285391 0.1531905
haStatusIIDV,ILDOBR - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review -5579.7473143 3437.9849193 -1.6229703 0.1046500
haStatusIIDV,ILDOBR,INONV - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified -2837.7647350 4592.0431373 -0.6179743 0.5366165
haStatusIIDV,ILDOBR,INR - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, No Relocation -2265.4860826 3982.2575814 -0.5688949 0.5694495
haStatusIIDV,INONV - Ineligible Failed Identity Verification, Occupancy Not Verified -3092.4220726 3998.2977804 -0.7734347 0.4392967
haStatusIIDV,INPR - Ineligible Failed Identity Verification, Not Primary Residence -1840.4305930 4650.1916564 -0.3957752 0.6922854
haStatusILDOBR,INCI - Ineligible Ineligible Linked For Duplicate Review, No Contact for Inspection -6239.9512808 4638.7661904 -1.3451748 0.1786213
haStatusILDOBR,INONV - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified -4059.4152317 3310.3106113 -1.2262944 0.2201376
haStatusILDOBR,INONV,INR - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified, No Relocation -2569.5340574 4078.7968282 -0.6299735 0.5287367
haStatusILDOBR,INR - Ineligible Ineligible Linked For Duplicate Review, No Relocation -4031.6761314 3334.1326084 -1.2092129 0.2266303
haStatusILDOBR,INS - Ineligible Ineligible Linked For Duplicate Review, Insured -6121.2393003 4585.8897378 -1.3347986 0.1819946
haStatusILDOBR,WVO - Ineligible Ineligible Linked For Duplicate Review, Withdrawn - Applicant Withdrew Voluntarily -4858.8845043 4582.3080592 -1.0603575 0.2890261
haStatusILER - Ineligible Lodging Expenses Reimbursement -3630.6329553 3264.3633123 -1.1122025 0.2660971
haStatusILER,INSS - Ineligible Ineligible Lodging Expenses Reimbursement, No substantiation submitted -3406.6269054 3562.5177189 -0.9562414 0.3389901
haStatusINDR - Ineligible - Damages Not Disaster Related 3709.3471544 3839.5778619 0.9660820 0.3340434
haStatusINFI,INI - Ineligible Has Flood Insurance, Ineligible Insurance -3993.8215393 4603.1991753 -0.8676187 0.3856390
haStatusINI - Ineligible - Ineligible Insurance -5491.4573138 3982.1724937 -1.3790104 0.1679447
haStatusINO - Ineligible - Other -4498.5070221 3558.1315972 -1.2642891 0.2061770
haStatusINONV - Ineligible - Occupancy Not Verified -3700.4356496 3279.2308164 -1.1284462 0.2591781
haStatusINONV,INR - Ineligible Occupancy Not Verified, No Relocation -3693.4331336 3760.5715780 -0.9821467 0.3260685
haStatusINONV,INS - Ineligible Occupancy Not Verified, Insured -5460.1415357 3767.5489502 -1.4492556 0.1473202
haStatusINPR - Ineligible - Not Primary Residence -4110.8032335 3305.9657728 -1.2434500 0.2137522
haStatusINR- Ineligible - No Relocation -4378.2284802 3270.7046769 -1.3386193 0.1807470
haStatusINR,INS - Ineligible No Relocation, Insured -5292.3306478 3983.7702035 -1.3284729 0.1840741
haStatusINS - Insured -4509.4252666 3441.7252668 -1.3102223 0.1901725
haStatusINSS - Ineligible - No substantiation submitted -4551.1806257 3751.7470748 -1.2130830 0.2251474
haStatusIOVR - Ineligible - Over Program Maximum 7819.9339742 4694.5255100 1.6657560 0.0958160
haStatusIOWNV - Ownership Not Verified -5416.0565643 3398.3671990 -1.5937232 0.1110525
haStatusIRCT - Ineligible Recertification -3427.2308050 3244.4308598 -1.0563427 0.2908556
haStatusIRND- Ineligible - Reported No Damage -3702.6389156 4595.4092797 -0.8057256 0.4204341
haStatusTSA - Transitional Sheltering Assistance -5675.8649351 3249.6261794 -1.7466209 0.0807560
haStatusTSAI - Transitional Shelter Assistance Information -5576.7254887 3255.1595383 -1.7131958 0.0867299
haStatusWVO - Withdrawn - Applicant Withdrew Voluntarily -2460.9291730 3271.8976946 -0.7521412 0.4519966
IAppfvl 0.5808936 0.0499392 11.6320091 0.0000000
personalPropertyEligible 2674.3563323 239.6344984 11.1601474 0.0000000
disasterNumber4031 349.7512137 775.0637526 0.4512548 0.6518228
disasterNumber4061 613.7034134 3261.7053390 0.1881542 0.8507624
disasterNumber4068 -222.9881037 1266.8460028 -0.1760183 0.8602857
disasterNumber4080 -406.8236534 649.8499035 -0.6260271 0.5313218
disasterNumber4081 1681.3033098 1449.2191953 1.1601442 0.2460378
disasterNumber4085 2562.8795067 570.2923904 4.4939746 0.0000071
disasterNumber4086 1859.5800696 592.0334423 3.1410051 0.0016922
disasterNumber4087 1277.6715608 1431.0487965 0.8928218 0.3719896
disasterNumber4091 -984.3578548 2337.7278633 -0.4210746 0.6737162
disasterNumber4101 -1596.8223166 1954.2246888 -0.8171130 0.4138974
disasterNumber4116 -418.8677968 593.5277254 -0.7057257 0.4803870
disasterNumber4117 -943.8067161 742.9776251 -1.2703030 0.2040276
disasterNumber4122 -1345.0921708 2350.8975002 -0.5721611 0.5672350
disasterNumber4145 -215.3007182 603.3492666 -0.3568426 0.7212226
disasterNumber4176 -1588.5111292 840.8982426 -1.8890646 0.0589330
disasterNumber4177 -337.3327544 611.3239618 -0.5518069 0.5811019
disasterNumber4195 -1274.1906195 607.1556272 -2.0986228 0.0358932
disasterNumber4217 -1272.7696139 1263.3431044 -1.0074616 0.3137550
disasterNumber4222 -44.4265237 996.5112177 -0.0445821 0.9644420
disasterNumber4223 -206.6771365 610.1820856 -0.3387139 0.7348375
disasterNumber4226 -2482.9569383 2556.9980769 -0.9710437 0.3315669
disasterNumber4235 -809.5601990 3261.3574305 -0.2482280 0.8039668
disasterNumber4239 -3749.0266522 1705.7766855 -2.1978414 0.0279997
disasterNumber4241 -1001.2919688 612.0800894 -1.6358839 0.1019181
disasterNumber4245 1266.7905299 841.1389605 1.5060419 0.1321108
disasterNumber4248 -3433.9659619 3262.6920589 -1.0524947 0.2926165
disasterNumber4250 -1302.6609132 1275.7461271 -1.0210973 0.3072509
disasterNumber4263 -1482.5113182 614.3158890 -2.4132720 0.0158408
disasterNumber4266 -117.1122665 1119.7471373 -0.1045881 0.9167062
disasterNumber4268 -355.6699133 1339.9965529 -0.2654260 0.7906907
disasterNumber4269 658.8330327 664.9928164 0.9907371 0.3218553
disasterNumber4272 688.4802007 797.8470415 0.8629225 0.3882157
disasterNumber4273 -437.9993045 1081.1458885 -0.4051251 0.6854005
disasterNumber4277 -160.2840021 556.8086753 -0.2878619 0.7734627
disasterNumber4280 -769.0071369 1263.0125666 -0.6088674 0.5426362
disasterNumber4283 -320.6341743 997.3392202 -0.3214896 0.7478510
disasterNumber4284 -568.9565638 1423.3525285 -0.3997299 0.6893702
disasterNumber4285 -923.4334850 599.0145745 -1.5415877 0.1232283
disasterNumber4286 -549.1176714 816.9891087 -0.6721236 0.5015317
disasterNumber4291 194.3665010 974.5804262 0.1994361 0.8419286
disasterNumber4297 -280.4015583 3376.3583044 -0.0830485 0.9338158
disasterNumber4332 -1141.7174928 595.8036223 -1.9162648 0.0553804
disasterNumber4337 -275.9806311 724.7436579 -0.3807976 0.7033674
disasterNumber4338 1258.8189135 3261.5886674 0.3859527 0.6995458
disasterNumber4339 -2951.9348922 1266.5614841 -2.3306685 0.0198049
disasterNumber4353 1898.6647804 2344.9415432 0.8096853 0.4181542
disasterNumber4363 -2593.2927134 1940.3336954 -1.3365189 0.1814321
disasterNumber4377 -1515.2398243 1025.0720813 -1.4781788 0.1394142
disasterNumber4393 -1119.7971782 596.7598220 -1.8764621 0.0606420
disasterNumber4394 -1537.1120911 845.7858889 -1.8173773 0.0692109
disasterNumber4396 7892.4435458 3297.5519341 2.3934251 0.0167234
disasterNumber4399 -231.7941609 809.4122066 -0.2863734 0.7746023
disasterNumber4402 -1171.9957941 1936.0637909 -0.6053498 0.5449703
disasterNumber4420 -102.7731600 616.7874081 -0.1666266 0.8676697
disasterNumber4421 -409.4428012 741.9205403 -0.5518688 0.5810595
disasterNumber4429 -1983.9717940 1936.0389341 -1.0247582 0.3055200
disasterNumber4438 -864.1067473 723.6575592 -1.1940824 0.2324945
disasterNumber4440 -2870.4483846 3265.0648741 -0.8791398 0.3793619
disasterNumber4441 -1395.2971536 906.0046536 -1.5400552 0.1236014
disasterNumber4447 -1935.9810483 1941.5439840 -0.9971348 0.3187406
disasterNumber4451 -798.3244749 959.2078685 -0.8322747 0.4052881
disasterNumber4454 -2449.8773533 956.3570708 -2.5616764 0.0104419
disasterNumber4466 -583.2399318 573.2276635 -1.0174665 0.3089740
disasterNumber4469 -3339.1127579 1937.0012268 -1.7238568 0.0847869
disasterNumber4547 -1410.9961288 1341.6263709 -1.0517057 0.2929783
disasterNumber4559 -1091.6734635 644.9222140 -1.6927211 0.0905622
disasterNumber4560 -2534.9127237 3265.0865109 -0.7763692 0.4375626
disasterNumber4563 -1453.5802762 657.4107139 -2.2110687 0.0270699
disasterNumber4564 -316.4666949 849.8917581 -0.3723612 0.7096375
disasterNumber4570 -367.3694410 932.8342574 -0.3938207 0.6937279
disasterNumber4573 -882.0505018 1083.6299165 -0.8139776 0.4156911
disasterNumber4576 -1846.8291994 1810.9967403 -1.0197860 0.3078724
disasterNumber4577 167.3925003 2339.5842921 0.0715480 0.9429641
disasterNumber4595 1192.6036926 2344.5564199 0.5086692 0.6110034
disasterNumber4601 -720.3535348 3278.5909710 -0.2197144 0.8261013
disasterNumber4606 283.9550019 1436.3947893 0.1976859 0.8432977
disasterNumber4607 -1005.5100746 729.3424351 -1.3786529 0.1680549
disasterNumber4609 -1604.6333389 1539.9691862 -1.0419905 0.2974594
disasterNumber4611 -545.9334275 644.4708975 -0.8471033 0.3969725
disasterNumber4614 1471.2429939 763.0372570 1.9281404 0.0538864
disasterNumber4615 1389.2749314 813.3534576 1.7080827 0.0876745
disasterNumber4617 -3921.5254724 3265.5959413 -1.2008606 0.2298543
disasterNumber4618 575.9800695 705.8860650 0.8159675 0.4145522
disasterNumber4626 -1175.8656905 1937.5569839 -0.6068806 0.5439539
disasterNumber4635 -120.4265315 3290.9138732 -0.0365936 0.9708103
disasterNumber4655 2252.6881374 3270.9208439 0.6887015 0.4910386
disasterNumber4657 -3060.3364588 3278.9666317 -0.9333235 0.3506918
disasterNumber4663 -1107.2682546 1714.3302957 -0.6458897 0.5183763
disasterNumber4665 -571.7972043 1266.7679189 -0.4513828 0.6517306
disasterNumber4671 -1410.7967770 3270.5368695 -0.4313655 0.6662186
disasterNumber4673 501.1868916 631.8937768 0.7931505 0.4277225
disasterNumber4676 -1815.9889323 3264.5408711 -0.5562770 0.5780430
disasterNumber4683 1086.4713723 802.7388533 1.3534556 0.1759628
disasterNumber4699 3458.6513170 837.5574689 4.1294496 0.0000369
disasterNumber4709 1119.7916588 715.5941442 1.5648418 0.1176745
disasterNumber4715 -470.3022773 1058.1470208 -0.4444583 0.6567278
disasterNumber4720 -611.3326438 1212.5948590 -0.5041524 0.6141734
disasterNumber4728 -415.6710794 599.1762078 -0.6937376 0.4878745
disasterNumber4734 1242.3818153 754.3265144 1.6470080 0.0996105
disasterNumber4738 -1950.6398160 1707.2676310 -1.1425507 0.2532723
disasterNumber4749 882.7287476 1080.2897466 0.8171222 0.4138921
ihpMax 18509.3166328 1095.3429508 16.8981930 0.0000000
householdComposition1 -1643.2234626 179.6301958 -9.1478131 0.0000000
householdComposition2 -1359.5745294 175.3939777 -7.7515462 0.0000000
householdComposition3 -973.3986262 176.4678654 -5.5160107 0.0000000
householdComposition4 -701.6128288 181.9287041 -3.8565263 0.0001163
householdComposition5 -480.1422269 199.3499799 -2.4085391 0.0160475
rentalAssistanceEligible 3993.1919984 376.7919767 10.5978690 0.0000000
autoDamage 1026.5777653 112.6637506 9.1118728 0.0000000
tsaEligible 1379.8940983 192.8562661 7.1550390 0.0000000
residenceTypeAssisted Living Facility -526.6649146 1459.5671204 -0.3608364 0.7182349
residenceTypeBoat 1922.9124070 2304.0855317 0.8345664 0.4039962
residenceTypeCondo 1036.9425499 457.9611269 2.2642589 0.0235949
residenceTypeCorrectional Facility 6915.7703660 2293.2405925 3.0157195 0.0025748
residenceTypeHouse/Duplex 435.1859601 101.2897936 4.2964443 0.0000176
residenceTypeMobile Home 568.8839485 192.6087900 2.9535721 0.0031538
residenceTypeOther -224.6537768 339.6640522 -0.6613999 0.5083821
residenceTypeTownhouse 755.3663229 387.6473706 1.9485914 0.0513923
residenceTypeTravel Trailer -447.4398943 449.4859816 -0.9954479 0.3195599
sbaApproved -1211.6786862 263.3712274 -4.6006494 0.0000043
onaEligible 1349.2478839 248.7573507 5.4239518 0.0000001
grossIncome$15,000-$30,000 1938.9132471 568.3051424 3.4117468 0.0006499
grossIncome$30,001-$60,000 1862.3910863 568.4585989 3.2762124 0.0010583
grossIncome$60,001-$120,000 1164.0421585 582.6292984 1.9979122 0.0457727
grossIncome<$15,000 1710.9779757 570.5130358 2.9990164 0.0027200
grossIncome>$175,000 1770.0369860 903.9181392 1.9581828 0.0502564
grossIncome0 1613.0984106 575.1814934 2.8045033 0.0050562
highWaterLocationBasement -1925.0367342 920.4343035 -2.0914439 0.0365316
highWaterLocationCrawlspace -1051.7364750 946.6799452 -1.1109737 0.2666257
highWaterLocationFirst Floor -2162.1868243 910.7309309 -2.3741225 0.0176230
highWaterLocationOther -1672.1969622 1045.8178314 -1.5989371 0.1098890
highWaterLocationOver Access Road -595.2909689 1308.1082569 -0.4550778 0.6490703
highWaterLocationOver Roof -1118.3059460 1165.4903527 -0.9595154 0.3373391
highWaterLocationSecond Floor -1452.1929980 1063.3900885 -1.3656259 0.1721093
ihpEligible -954.8382103 273.7240400 -3.4883243 0.0004897
homeDamage -1527.5367428 470.1273569 -3.2491977 0.0011639
homeOwnersInsurance 1185.2671769 454.7789929 2.6062487 0.0091774
IAfloodDamageAmount 0.1003300 0.0500272 2.0055111 0.0449547
applicantAge19-34 402.4643725 407.2672533 0.9882071 0.3230924
applicantAge35-49 603.4226010 407.6772966 1.4801477 0.1388881
applicantAge50-64 580.2310632 414.4003458 1.4001703 0.1615157
applicantAge65+ 251.2779508 442.1836286 0.5682661 0.5698763
summary(mod1)$adj.r.squared
## [1] 0.7432771

With an adjusted R-squared of 0.7433, we can say that this model accounts for about 74% of the variation of aid received. This is definitely a good place to start, but this model includes a lot of predictors. One way to reduce this is seeing which of these predictors have a lot of NA values in our dataset. Excluding these would allow for more for more data points to be used when training our final model. Remember that our current model is of the form:

lm(IAaidReceived ~ haStatus + IAppfvl + personalPropertyEligible + disasterNumber + ihpMax + householdComposition + rentalAssistanceEligible + autoDamage + tsaEligible + residenceType + sbaApproved + onaEligible + grossIncome + highWaterLocation + ihpEligible + homeDamage + homeOwnersInsurance + IAfloodDamageAmount + applicantAge, data = mod1dat)

Next, a predictor will be removed from our model if over 20% of its values are NA.

mod1preds <- c('haStatus', 'IAppfvl', 'personalPropertyEligible', 'disasterNumber',
               'ihpMax', 'householdComposition', 'rentalAssistanceEligible',
               'autoDamage', 'tsaEligible', 'residenceType', 'sbaApproved',
               'onaEligible', 'grossIncome', 'highWaterLocation', 'ihpEligible',
               'homeDamage', 'homeOwnersInsurance', 'IAfloodDamageAmount', 'applicantAge')

napreds <- function(data, columns){
  removepreds <- c()
  for(col in columns){
    naprop <- (sum(is.na(data[[col]])))/(nrow(data))
    if (naprop >= 0.2){
      removepreds = c(removepreds, col)
    }
  }
  return(removepreds)
}
napreds(dat, mod1preds)
## [1] "haStatus"          "highWaterLocation"

We see that haStatus and highwaterLocation are over 20% NA. These variables will be removed from our model.

mod2dat <- select(dat, IAppfvl, personalPropertyEligible, disasterNumber, ihpMax,
                  householdComposition, rentalAssistanceEligible, autoDamage, tsaEligible,
                  residenceType, sbaApproved, onaEligible, grossIncome, ihpEligible,
                  homeDamage, homeOwnersInsurance, IAfloodDamageAmount, applicantAge,
                  IAaidReceived)

mod2dat <- na.omit(mod2dat)
nrow(mod1dat)
## [1] 5999
nrow(mod2dat)
## [1] 1052917

After removing these variables, a substantially larger subset of our data can be included in our model.

mod2 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
             ihpMax + householdComposition + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + onaEligible + grossIncome +
             ihpEligible + homeDamage + homeOwnersInsurance + IAfloodDamageAmount +
             applicantAge, data = mod2dat)
summary(mod2)$adj.r.squared
## [1] 0.5913157

This is a significant decrease in our R squared. Two things may have occured:

  1. Our smaller dataset displayed a more linear relationship.
  2. One of our removed variables was highly influential in our model.

Considering the first point, let us see the adjusted R squared of this same model trained on the smaller dataset used to train mod1.

mod2.1 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
               ihpMax + householdComposition + rentalAssistanceEligible + autoDamage +
               tsaEligible + residenceType + sbaApproved + onaEligible + grossIncome +
               ihpEligible + homeDamage + homeOwnersInsurance + IAfloodDamageAmount +
               applicantAge, data = mod1dat)
summary(mod2.1)$adj.r.squared
## [1] 0.5850995

We still see a substantial decrease in our adjusted R squared, so increasing the size of our subset of data did not drastically reduce our multiple R squared. Instead, we may concldue that one of our removed predictors was influential. Let us view F values of our original model to see which of our predictors should not have been removed.

kbl(anova(mod1)) %>%
  kable_styling(bootstrap_options = "striped", full_width = F, position = "center") %>%
  scroll_box(height = "300px")
Df Sum Sq Mean Sq F value Pr(>F)
haStatus 47 95537017315 2032702496 197.138744 0.0000000
IAppfvl 1 53479393988 53479393988 5186.622522 0.0000000
personalPropertyEligible 1 15305059403 15305059403 1484.339292 0.0000000
disasterNumber 101 6895690717 68274166 6.621472 0.0000000
ihpMax 1 3246350611 3246350611 314.842670 0.0000000
householdComposition 5 1774651327 354930265 34.422404 0.0000000
rentalAssistanceEligible 1 1077396471 1077396471 104.489756 0.0000000
autoDamage 1 1004085579 1004085579 97.379803 0.0000000
tsaEligible 1 567178111 567178111 55.006958 0.0000000
residenceType 9 532168737 59129860 5.734625 0.0000001
sbaApproved 1 320407559 320407559 31.074269 0.0000000
onaEligible 1 264967603 264967603 25.697504 0.0000004
grossIncome 6 319791432 53298572 5.169086 0.0000260
highWaterLocation 7 273018539 39002648 3.782616 0.0004220
ihpEligible 1 127167479 127167479 12.333156 0.0004484
homeDamage 1 108809534 108809534 10.552737 0.0011668
homeOwnersInsurance 1 68312009 68312009 6.625142 0.0100795
IAfloodDamageAmount 1 41760928 41760928 4.050124 0.0442142
applicantAge 4 84468376 21117094 2.048011 0.0849401
Residuals 5807 59876121611 10311025 NA NA

Indeed, haStatus has an F value of 197.1387. Under an F test, the null hypothesis is that our predicted aid received is the same among all categories of Housing Assistance decisions. Our alternative hypothesis is that the aid received is affected by decision status for at least one category of our haStatus variable (i.e. aid received among all Housing Assistance decisions is not the same). The F value shows the ratio of variance between the price of each haStatus group and the variation within each haStatus group. An F value of 197.1387 indicates that there is notable variation of price between the different levels of haStatus. This variation is statistically significant at the 0.05 level, as the P value associated with this F-test is less than 2.2e-16.

We will reintroduce the haStatus variable into our model to see if our R squared returns to near 0.74.

mod3dat <- select(dat, IAppfvl, personalPropertyEligible, disasterNumber, ihpMax,
                  householdComposition, rentalAssistanceEligible, autoDamage, tsaEligible,
                  residenceType, sbaApproved, onaEligible, grossIncome, ihpEligible,
                  homeDamage, homeOwnersInsurance, IAfloodDamageAmount, applicantAge,
                  IAaidReceived, haStatus)

mod3dat <- na.omit(mod3dat)
nrow(mod1dat)
## [1] 5999
nrow(mod3dat)
## [1] 844721

While losing some of the variables that we were able to incorporate in the training of our second model, we are still able to utilize a much larger number of variables than was possible with our first model.

mod3 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
             ihpMax + householdComposition + haStatus + rentalAssistanceEligible +
             autoDamage + tsaEligible + residenceType + sbaApproved + onaEligible +
             grossIncome + ihpEligible + homeDamage + homeOwnersInsurance + IAfloodDamageAmount +
             applicantAge, data = mod3dat)
summary(mod3)$adj.r.squared
## [1] 0.6342734

This isn’t the increase in adjusted R squared I anticipated. Let us again check to ensure that natural variation in the data itself is not contributing to this R squared that is about 0.1 lower than that of our first model.

mod3.1 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
               ihpMax + householdComposition + haStatus + rentalAssistanceEligible +
               autoDamage + tsaEligible + residenceType + sbaApproved + onaEligible +
               grossIncome + ihpEligible + homeDamage + homeOwnersInsurance +
               IAfloodDamageAmount + applicantAge, data = mod1dat)
summary(mod3.1)$adj.r.squared
## [1] 0.7422786

We see that with the same dataset as model 1, the same variables used to create model 3 perform similarly to model 1. Therefore, we will keep the variables in model 3 as our predictor variables. Let us now check the correlation of numeric variables of this model.

mod3dat_num <- mod3dat %>% select(where(is.numeric))

kbl(cor(mod3dat_num)) %>%
  kable_styling(bootstrap_options = "striped", full_width = F, position = "center") %>%
  scroll_box(height = "300px")
IAppfvl personalPropertyEligible ihpMax rentalAssistanceEligible autoDamage tsaEligible sbaApproved onaEligible ihpEligible homeDamage homeOwnersInsurance IAfloodDamageAmount IAaidReceived
IAppfvl 1.0000000 0.3502474 0.2180997 0.3521746 0.1385298 0.0114193 0.0544101 0.2877790 0.2533044 0.0395502 -0.1232724 0.3038513 0.5163568
personalPropertyEligible 0.3502474 1.0000000 0.0454949 0.2942878 0.0828316 -0.0187234 -0.0799883 0.7602802 0.4231388 0.0348774 -0.2771578 0.0593061 0.3527605
ihpMax 0.2180997 0.0454949 1.0000000 0.1328990 0.0470530 0.0387902 0.0290241 0.0257962 0.0691101 0.0122810 0.0031261 0.2218488 0.4684268
rentalAssistanceEligible 0.3521746 0.2942878 0.1328990 1.0000000 0.0762344 0.0922031 0.0526451 0.2389725 0.4668478 -0.0062707 -0.1847270 0.2130006 0.5238960
autoDamage 0.1385298 0.0828316 0.0470530 0.0762344 1.0000000 -0.0277372 0.0118150 0.0770493 0.0312066 0.0192078 -0.1028096 0.0425467 0.1025197
tsaEligible 0.0114193 -0.0187234 0.0387902 0.0922031 -0.0277372 1.0000000 0.0001753 0.0583397 0.0060242 -0.2960859 -0.0727282 0.0335277 0.0448802
sbaApproved 0.0544101 -0.0799883 0.0290241 0.0526451 0.0118150 0.0001753 1.0000000 -0.0542262 0.0444561 0.0295636 0.1123781 0.0631929 0.0698512
onaEligible 0.2877790 0.7602802 0.0257962 0.2389725 0.0770493 0.0583397 -0.0542262 1.0000000 0.5565565 -0.0292774 -0.2078201 0.0409736 0.2908346
ihpEligible 0.2533044 0.4231388 0.0691101 0.4668478 0.0312066 0.0060242 0.0444561 0.5565565 1.0000000 0.0067451 -0.0437575 0.1362134 0.4199177
homeDamage 0.0395502 0.0348774 0.0122810 -0.0062707 0.0192078 -0.2960859 0.0295636 -0.0292774 0.0067451 1.0000000 0.0682069 0.0255985 0.0453146
homeOwnersInsurance -0.1232724 -0.2771578 0.0031261 -0.1847270 -0.1028096 -0.0727282 0.1123781 -0.2078201 -0.0437575 0.0682069 1.0000000 0.0575730 -0.0354227
IAfloodDamageAmount 0.3038513 0.0593061 0.2218488 0.2130006 0.0425467 0.0335277 0.0631929 0.0409736 0.1362134 0.0255985 0.0575730 1.0000000 0.3363383
IAaidReceived 0.5163568 0.3527605 0.4684268 0.5238960 0.1025197 0.0448802 0.0698512 0.2908346 0.4199177 0.0453146 -0.0354227 0.3363383 1.0000000

We see a strong correlation between personalPropertyEligible and onaEligible. To reduce issues with multicollinearity, we will remove onaEligible, chosen due to its smaller F value (shown below).

kbl(anova(mod3)) %>%
  kable_styling(bootstrap_options = "striped", full_width = F, position = "center") %>%
  scroll_box(height = "300px")
Df Sum Sq Mean Sq F value Pr(>F)
IAppfvl 1 9.047452e+12 9.047452e+12 615823.18119 0e+00
personalPropertyEligible 1 1.143028e+12 1.143028e+12 77801.27093 0e+00
disasterNumber 467 1.685318e+12 3.608817e+09 245.63749 0e+00
ihpMax 1 4.247407e+12 4.247407e+12 289103.71548 0e+00
householdComposition 5 5.890815e+09 1.178163e+09 80.19276 0e+00
haStatus 400 3.989045e+12 9.972612e+09 678.79505 0e+00
rentalAssistanceEligible 1 9.963744e+11 9.963744e+11 67819.14609 0e+00
autoDamage 1 8.091233e+09 8.091233e+09 550.73728 0e+00
tsaEligible 1 1.496405e+10 1.496405e+10 1018.54190 0e+00
residenceType 12 7.600140e+10 6.333450e+09 431.09214 0e+00
sbaApproved 1 1.228937e+10 1.228937e+10 836.48743 0e+00
onaEligible 1 2.327898e+10 2.327898e+10 1584.50508 0e+00
grossIncome 6 1.231644e+10 2.052740e+09 139.72166 0e+00
ihpEligible 1 1.234454e+09 1.234454e+09 84.02423 0e+00
homeDamage 1 4.281010e+08 4.281010e+08 29.13909 1e-07
homeOwnersInsurance 1 8.340002e+10 8.340002e+10 5676.69956 0e+00
IAfloodDamageAmount 1 1.683657e+11 1.683657e+11 11459.96511 0e+00
applicantAge 4 2.143799e+10 5.359498e+09 364.79922 0e+00
Residuals 843814 1.239701e+13 1.469164e+07 NA NA

After removing onaEligible, our model would still have 17 variables, so it could still use some simplification. Note that homeDamage, ihpEligible, and householdComposition have the smallest F values, so they will also be removed.

mod4dat <- select(dat, IAppfvl, personalPropertyEligible, disasterNumber, ihpMax,
                  rentalAssistanceEligible, autoDamage, tsaEligible, residenceType,
                  sbaApproved, grossIncome, IAaidReceived, haStatus, homeOwnersInsurance,
                  IAfloodDamageAmount, applicantAge)

mod4dat <- na.omit(mod4dat)
nrow(mod3dat)
## [1] 844721
nrow(mod4dat)
## [1] 857310

With this removal of predictors, we are able to include over 10,000 additional cases that we could not include in the training of model 3.

mod4 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
             ihpMax + haStatus + rentalAssistanceEligible + autoDamage + tsaEligible +
             residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             IAfloodDamageAmount + applicantAge, data = mod4dat)
summary(mod4)$adj.r.squared
## [1] 0.6333273

This adjusted R squared is not drastically lower than 0.6343, the adjusted R squared of model 3. This drop in adjusted R squared is worth the model simplification and reduction of multicollinearity issues.

plot(mod4, 1)

We note that in our residuals vs fitted plot, there are a number of outstanding residuals. Let’s check if our model would benefit from removing data points. Then, our model may display less of a trend in residuals. Let’s look at the Cook’s distances of our data.

mod4dat$Cooks_Distance <- cooks.distance(mod4)
arrange(filter(mod4dat, Cooks_Distance > .5), desc(Cooks_Distance))[16]
## # A tibble: 3 × 1
##   Cooks_Distance
##            <dbl>
## 1          13.6 
## 2           3.04
## 3           1.15

Three data points have a Cook’s Distance of over 0.5, so they have the potential to affect our model.

which(mod4dat$Cooks_Distance > 0.5)
##  54100 128493 142804 
##  54100 128493 142804

These correspond to the three data points with the highest absolute residuals, as seen in our residuals vs fitted values plot. Due to both their high leverage and high absolute residuals, these three datapoints will be removed from the model.

mod5dat <- mod4dat[-c(54100, 128493, 142804),]

mod5 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
             ihpMax + haStatus + rentalAssistanceEligible + autoDamage + tsaEligible +
             residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             IAfloodDamageAmount + applicantAge, data = mod5dat)
summary(mod5)$adj.r.squared
## [1] 0.6507295

We see a slight improvement in the adjusted R squared of this model compared to the previous one, so these three cases will remain removed from the dataset. Let us now consider what interactions may benefit our model.

  1. IAppfvl describes the value of damage to personal property, and personalPropertyEligible records if an individual was eligible for personal property assistance. We might want to consider this eligibility in conjunction with value of personal property damage.
  2. It may also be worthwhile to consider residenceType in conjunction with grossIncome, as home values are not uniform within each type of home. Indeed, considering income in tandem with residence type may give us a better idea of home value.
  3. Different disasters may see varying maximum IHP grants, so interaction between disasterNumber and ihpMax should be examined.
mod6 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
             ihpMax + haStatus + rentalAssistanceEligible + autoDamage + tsaEligible +
             residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             IAfloodDamageAmount + applicantAge + IAppfvl*personalPropertyEligible +
             residenceType*grossIncome + disasterNumber*ihpMax, data = mod5dat)
summary(mod6)$adj.r.squared
## [1] 0.6725431

We once again see an increase in adjusted R squared. Let’s check the F values of each of our predictors to get a better understanding of their individual contributions to the model.

kbl(anova(mod6)) %>%
  kable_styling(bootstrap_options = "striped", full_width = F, position = "center") %>%
  scroll_box(height = "300px")
Df Sum Sq Mean Sq F value Pr(>F)
IAppfvl 1 1.086547e+13 1.086547e+13 834818.10674 0
personalPropertyEligible 1 7.495342e+11 7.495342e+11 57588.35730 0
disasterNumber 467 1.644852e+12 3.522167e+09 270.61583 0
ihpMax 1 3.783559e+12 3.783559e+12 290699.12999 0
haStatus 401 3.703458e+12 9.235557e+09 709.58816 0
rentalAssistanceEligible 1 9.117262e+11 9.117262e+11 70049.92861 0
autoDamage 1 6.242880e+09 6.242880e+09 479.65420 0
tsaEligible 1 1.331536e+10 1.331536e+10 1023.04849 0
residenceType 12 7.918175e+10 6.598479e+09 506.97563 0
sbaApproved 1 9.634556e+09 9.634556e+09 740.24415 0
grossIncome 6 9.658124e+09 1.609687e+09 123.67581 0
homeOwnersInsurance 1 8.755804e+10 8.755804e+10 6727.27649 0
IAfloodDamageAmount 1 3.051141e+11 3.051141e+11 23442.59021 0
applicantAge 4 1.691084e+10 4.227710e+09 324.82427 0
IAppfvl:personalPropertyEligible 1 5.788177e+11 5.788177e+11 44471.83517 0
residenceType:grossIncome 66 4.069041e+09 6.165214e+07 4.73687 0
disasterNumber:ihpMax 212 1.632670e+11 7.701273e+08 59.17057 0
Residuals 856128 1.114283e+13 1.301538e+07 NA NA

We see less of a contribution from our residenceType and grossIncome interaction. For simplicity, this will be removed, as our model is already quite complicated. However, the interaction between IAppfvl and personalPropertyEligible has quite a high F value. This interaction will remain in our model.

mod7 <- lm(formula = IAaidReceived ~ IAppfvl + personalPropertyEligible + disasterNumber +
             ihpMax + haStatus + rentalAssistanceEligible + autoDamage + tsaEligible +
             residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             IAfloodDamageAmount + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod5dat)
summary(mod7)$adj.r.squared
## [1] 0.672453

Let us consider our two continuous numeric variables - IAppfvl and IAfloodDamageAmount. Would a transformation be of use?

# Creating a function that generates a polynomial model for different orders of IAppfvl and IAfloodDamageAmount.
poly.func=function(I,J){
  mod = lm(IAaidReceived~poly(IAppfvl,I)+poly(IAfloodDamageAmount,J),data=mod5dat)
  return(mod)
}

# Generating a matrix of RMSEs for each combination of orders of IAppfvl and IAfloodDamageAmount.
out=matrix(NA,9,9)
modtestdat <- mod5dat

for(i in 1:9){
  for(j in 1:9){
    modij <- poly.func(i, j)
    modtestdat$preds <- predict(modij, modtestdat)
    out[i, j] = rmse(predicted=modtestdat$preds, actual=modtestdat$IAaidReceived)
  }
}

# Convert this matrix of RMSEs into a tibble that is usuable by ggplot.
out2=as.tibble(out) %>% 
  mutate(I=1:9) %>% 
  rename(`1`=V1,`2`=V2,`3`=V3,`4`=V4,`5`=V5,`6`=V6,`7`=V7, `8`=V8, `9`=V9) %>%
  select(I,everything()) %>%
  gather(`1`:`9`,key="J",value="RMSE",convert=T) %>%
  mutate(I=as.factor(I),J=as.factor(J))
# Plotting the average RMSE for each order of IAppfvl.
out2 %>% 
  group_by(I) %>% 
  summarize(avgRMSE=mean(RMSE))%>%
  ungroup() %>%
    ggplot() +
    geom_point(aes(x=I,y=avgRMSE))+
    geom_line(aes(x=I,y=avgRMSE,group=1)) +
    theme_minimal()

# Plotting the average RMSE for each order of IAfloodDamageAmount.
out2 %>% 
  group_by(J) %>% 
  summarize(avgRMSE=mean(RMSE))%>%
  ungroup() %>%
    ggplot() +
    geom_point(aes(x=J,y=avgRMSE))+
    geom_line(aes(x=J,y=avgRMSE,group=1)) +
    theme_minimal()

While higher order polynomials see the lowest RMSEs, we want our model to remain as uncomplicated as possible. For this reason, we will pick low order polynomials with RMSEs “close to” those of our highest order polynomials. Based on these graphs, we will pick I=3 and J=4.

mod8 <- lm(formula = IAaidReceived ~ poly(IAppfvl,3) + personalPropertyEligible + disasterNumber +
             ihpMax + haStatus + rentalAssistanceEligible + autoDamage + tsaEligible +
             residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod5dat)
summary(mod8)$adj.r.squared
## [1] 0.6989529

We again see an increase of our model’s adjusted R squared, indicating that these transformations of our continuous predictors increased our model’s accuracy. Let us check the residuals of our model.

plot(mod8, 1)

We see a generation of negative fitted values, leading to solely positive residuals for each fitted value below zero. Let’s take the natural log of our response variable to try to fix this problem. We also add 1 to IAaidReceived so that we do not run into errors with IAaidReceived values of zero.

mod9 <- lm(formula = log(IAaidReceived + 1) ~ poly(IAppfvl,3) + personalPropertyEligible +
             disasterNumber + ihpMax + haStatus + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod5dat)
summary(mod9)$adj.r.squared
## [1] 0.7344552

This is a great increase in adjusted R squared. Let’s also plot the residuals of this model.

plot(mod9, 1:2)

The Q-Q Residuals plot shows that most residuals follow a normal distribution, with a few extreme points. The sheer amount of data makes it hard to see a trend in the residuals vs fitted values plot because we are unable to perceive the density of values in each area. Let’s again check Cook’s distances.

mod9dat <- mod5dat
mod9dat$Cooks_Distance <- cooks.distance(mod9)
arrange(filter(mod9dat, Cooks_Distance > .5), desc(Cooks_Distance))[16]
## # A tibble: 2 × 1
##   Cooks_Distance
##            <dbl>
## 1          207. 
## 2           13.3
which(mod9dat$Cooks_Distance > 0.5)
## 104698 134915 
## 104698 134915

These two points’ Cook’s distances far exceed 0.5. They correspond with the datapoints with abnormal residuals, as seen in our plots. Let’s remove these datapoints.

mod10dat <- mod5dat[-c(104698, 134915),]

mod10 <- lm(formula = log(IAaidReceived + 1) ~ poly(IAppfvl,3) + personalPropertyEligible +
             disasterNumber + ihpMax + haStatus + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod10dat)
summary(mod10)$adj.r.squared
## [1] 0.7349531

We don’t see much of an increase in R squared, but let us again check our residual plots.

plot(mod10, 1:2)

I am decently pleased with the level of normality of residuals of this model, considering the side of the dataset. Let’s try to create a more decipherable fitted vs residuals plot.

preds <- predict(mod10, mod10dat)

transform <- function(x){
  return(exp(x) - 1)
}

mod10dat$prediction <- array(unlist(lapply(preds, FUN = transform)))

mod10dat <- mutate(mod10dat, residual=IAaidReceived-prediction)
ggplot(data=mod10dat, aes(x=prediction, y=residual)) +
  geom_point(alpha=0.01) +
  geom_hline(aes(yintercept=0)) +
  coord_cartesian(xlim = c(-2, 75000), ylim = c(-70000, 70000))

There still appears to be a very clear pattern of residuals, as we appear to trend towards underprediction then overprediction. Let’s add a curve to our response variable. We avoid squaring, as this may cause issues with transforming our response variable back to its desired form.

mod11 <- lm(formula = I((log(IAaidReceived + 1))^1.9) ~ poly(IAppfvl,3) + personalPropertyEligible +
             disasterNumber + ihpMax + haStatus + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod10dat)
summary(mod11)$adj.r.squared
## [1] 0.7760616

This is a great increase in R squared. Let us again check residuals.

plot(mod11, 1:2)

The residuals of this plot appear decently normal, considering that this model takes in over 850,000 observations. Let’s create a clearer residuals vs fitted plot, as before.

preds11 <- predict(mod11, mod10dat)

transform11 <- function(x){
  return(exp(x^(1/1.9)) - 1)
}

mod11dat <- mod10dat
mod11dat$prediction <- array(unlist(lapply(preds11, FUN = transform11)))
mod11dat <- mutate(mod11dat, residual=IAaidReceived-prediction)
ggplot(data=mod11dat, aes(x=prediction, y=residual)) +
  geom_point(alpha=0.01) +
  geom_hline(aes(yintercept=0)) +
  coord_cartesian(xlim = c(-2, 75000), ylim = c(-70000, 70000))

This effect looks better than before. Let’s make our curving effect slightly more extreme. \(1.9^2=3.61\). However, 3.6 runs into the same issues as squaring a function does, so we will use 3.5.

mod12 <- lm(formula = I((log(IAaidReceived + 1))^3.5) ~ poly(IAppfvl,3) + personalPropertyEligible +
             disasterNumber + ihpMax + haStatus + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod10dat)
summary(mod12)$adj.r.squared
## [1] 0.7856124

This is a slight increase in R squared. Again, we should check our residual plots.

plot(mod12, 1:2)

As before, Let’s make a more legible residuals vs fitted plot.

preds12 <- predict(mod12, mod10dat)

transform12 <- function(x){
  return(exp(x^(1/3.5)) - 1)
}

mod12dat <- mod10dat
mod12dat$prediction <- array(unlist(lapply(preds12, FUN = transform12)))
mod12dat <- mutate(mod12dat, residual=IAaidReceived-prediction)
ggplot(data=mod12dat, aes(x=prediction, y=residual)) +
  geom_point(alpha=0.01) +
  geom_hline(aes(yintercept=0)) +
  coord_cartesian(xlim = c(-2, 75000), ylim = c(-70000, 70000))

We seem to have partially negated our concerning trend. Let’s continue analysis of this model and check for influential points.

mod12dat$Cooks_Distance <- cooks.distance(mod12)
arrange(filter(mod12dat, Cooks_Distance > .5), desc(Cooks_Distance))[18]
## # A tibble: 1 × 1
##   Cooks_Distance
##            <dbl>
## 1           14.5
which(mod12dat$Cooks_Distance > 0.5)
## 147880 
## 147880

We see this point marked in our first residuals vs fitted plot. Because of its high Cook’s distance and residual, it will be removed from our model.

mod13dat <- mod10dat[-147880,]
mod13 <- lm(formula = I((log(IAaidReceived + 1))^3.5) ~ poly(IAppfvl,3) + personalPropertyEligible +
             disasterNumber + ihpMax + haStatus + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod13dat)
summary(mod13)$adj.r.squared
## [1] 0.786023

Let us complete the same checks as before, zooming in on the bulk of the data to better see what trend remains.

plot(mod13, 1:2)

preds13 <- predict(mod13, mod13dat)

transform13 <- function(x){
  return(exp(x^(1/3.5)) - 1)
}

mod13dat$prediction <- array(unlist(lapply(preds13, FUN = transform13)))
mod13dat <- mutate(mod13dat, residual=IAaidReceived-prediction)
ggplot(data=mod13dat, aes(x=prediction, y=residual)) +
  geom_point(alpha=0.01) +
  geom_hline(aes(yintercept=0)) +
  coord_cartesian(xlim = c(-100, 50000), ylim = c(-70000, 70000))

This looks better. If anything, we may have overcorrected our original problem.

mod14 <- lm(formula = I((log(IAaidReceived + 1))^2.5) ~ poly(IAppfvl,3) + personalPropertyEligible +
             disasterNumber + ihpMax + haStatus + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod13dat)
summary(mod14)$adj.r.squared
## [1] 0.7872155

Our R squared has again increased, but any further testing and correction will only produce minute changes of result. We will stick with this model.

plot(mod14, 1:2)

preds14 <- predict(mod14, mod13dat)

transform14 <- function(x){
  return(exp(x^(1/2.5)) - 1)
}

mod14dat <- mod13dat
mod14dat$prediction <- array(unlist(lapply(preds14, FUN = transform14)))
mod14dat <- mutate(mod14dat, residual=IAaidReceived-prediction)
ggplot(data=mod14dat, aes(x=prediction, y=residual)) +
  geom_point(alpha=0.01) +
  geom_hline(aes(yintercept=0)) +
  coord_cartesian(xlim = c(-100, 50000), ylim = c(-70000, 70000))

While the residuals of this model are not perfect, mod14 will be the form of our final model. It accounts for 78.72% percent of variation of aid received, after adjusting for inflation while trying to keep the number of incorporated variables reasonably low. Additionally, recall that IAaidRecieved cannot be negative. This is why we see our residuals bounded below by an affine function. Let us check for extreme points one final time before declaring our final model.

mod14dat$Cooks_Distance <- cooks.distance(mod14)
arrange(filter(mod14dat, Cooks_Distance > .5), desc(Cooks_Distance))[18]
## # A tibble: 1 × 1
##   Cooks_Distance
##            <dbl>
## 1           21.0
which(mod14dat$Cooks_Distance > 0.5)
## 157484 
## 157484

In our residual plots, we see that point 157484 also has an extreme residual. This will be removed from our final model.

mod15dat <- mod13dat[-157484,]
mod15 <- lm(formula = I((log(IAaidReceived + 1))^2.5) ~ poly(IAppfvl,3) + personalPropertyEligible +
             disasterNumber + ihpMax + haStatus + rentalAssistanceEligible + autoDamage +
             tsaEligible + residenceType + sbaApproved + grossIncome + homeOwnersInsurance +
             poly(IAfloodDamageAmount,4) + applicantAge + IAppfvl*personalPropertyEligible +
             disasterNumber*ihpMax, data = mod15dat)
summary(mod15)$adj.r.squared
## [1] 0.7877409

Our final model accounts for 78.77% of aid recieved, after adjusting for inflation. Let us produce residual and predicted vs true value plots of our final model.

plot(mod15, 2)

preds15 <- predict(mod15, mod15dat)

transform15 <- function(x){
  return(exp(x^(1/2.5)) - 1)
}

mod15dat$prediction <- array(unlist(lapply(preds15, FUN = transform15)))
mod15dat <- mutate(mod15dat, residual=IAaidReceived-prediction)
ggplot(data=mod15dat, aes(x=prediction, y=residual)) +
  geom_point(alpha=0.01) +
  geom_hline(aes(yintercept=0)) +
  coord_cartesian(xlim = c(-100, 50000), ylim = c(-70000, 70000))

ggplot(data=mod15dat, aes(x=prediction, y=IAaidReceived)) +
  geom_point(alpha=0.01) +
  geom_abline(slope=1) +
  coord_cartesian(xlim = c(-100, 50000), ylim = c(-100, 50000))

Let’s zoom in on the second model a little more.

ggplot(data=mod15dat, aes(x=prediction, y=IAaidReceived)) +
  geom_point(alpha=0.01) +
  geom_abline(slope=1) +
  coord_cartesian(xlim = c(-100, 20000), ylim = c(-100, 20000))

The summary of our final model is given below.

kbl(summary(mod15)$coef) %>%
  kable_styling(bootstrap_options = "striped", full_width = F, position = "center") %>%
  scroll_box(height = "300px")
Estimate Std. Error t value Pr(>|t|)
(Intercept) 98.2566153 1.7370068 56.5666265 0.0000000
poly(IAppfvl, 3)1 8319.4752887 89.9763092 92.4629535 0.0000000
poly(IAppfvl, 3)2 -3142.0596364 49.7562975 -63.1489841 0.0000000
poly(IAppfvl, 3)3 3809.1575922 52.2352185 72.9231675 0.0000000
personalPropertyEligible 58.5710496 0.1886317 310.5047553 0.0000000
disasterNumber 0.0015799 0.0000456 34.6314357 0.0000000
ihpMax 87.0065397 1.7790318 48.9066800 0.0000000
haStatus4BI - 408B Ineligible -105.5164016 47.5488421 -2.2191161 0.0264791
haStatusDirect Assistance over max -34.0477259 10.7763934 -3.1594732 0.0015806
haStatusEA- Expedited Assistance Category C 11.9274925 1.9313183 6.1758293 0.0000000
haStatusEAH - Eligible - Expedited Housing Assistance 86.0799749 1.6871010 51.0224180 0.0000000
haStatusEAHA - Eligible - Accelerated Housing Assistance 27.0068229 12.3696458 2.1833142 0.0290130
haStatusECBRA - Eligible - One Month Rent - CBRA -85.9537210 21.3109948 -4.0333040 0.0000550
haStatusECR - Eligible - Created Resources 45.2651235 5.9432208 7.6162615 0.0000000
haStatusEDMG - Eligible - Damages to Property 109.5662988 47.5490706 2.3042785 0.0212073
haStatusEHR - Eligible - Home Repairs 50.3533664 1.5833650 31.8014897 0.0000000
haStatusEHRS - Eligible - Home Repair SBA Referral 66.2307108 5.4480801 12.1567065 0.0000000
haStatusEHRZ - Eligible - Home Repairs, Flood Insurance Required 54.8422433 1.7013804 32.2339694 0.0000000
haStatusENC - Eligible - No change on appeal, original eligible status stands 21.2047008 1.7511250 12.1091875 0.0000000
haStatusENCOMP - Eligible - Two months non-compliance -69.4443421 2.8725288 -24.1753338 0.0000000
haStatusEPHC - Eligible for Permanent Housing Construction -57.4068725 8.4288341 -6.8107726 0.0000000
haStatusER - Eligible - Rental Assistance -29.5534119 1.5691458 -18.8340762 0.0000000
haStatusERCT - Eligible - Recertification 20.3674119 1.6824051 12.1061280 0.0000000
haStatusERFD - Eligible - Readily Fabricated Dwelling -28.8851513 1.7694864 -16.3240316 0.0000000
haStatusERFI - Eligible - Rental, Flood Insurance -78.4770161 3.8035819 -20.6323983 0.0000000
haStatusERIA - Eligible - Inaccessible -57.8412372 2.2276677 -25.9649303 0.0000000
haStatusERPL - Eligible Replacement Housing 57.4896393 2.1848666 26.3126541 0.0000000
haStatusERPLZ - Eligible Replacement Housing, Flood Insurance Required 32.1895033 3.7092625 8.6781411 0.0000000
haStatusERSUPP - Eligible - Recertification Supplement 16.9709098 2.8480187 5.9588478 0.0000000
haStatusERU - Eligible - Utilities Out -52.2187944 1.6732181 -31.2085999 0.0000000
haStatusETR - Eligible - Transient Housing -10.4339835 1.8332390 -5.6915567 0.0000000
haStatusETSA - Eligible 408 TSA -5.4181531 5.9837124 -0.9054835 0.3652095
haStatusETSR - 408 - Transitional Sheltering Assistance Reimbursement -68.8774474 47.5504071 -1.4485144 0.1474736
haStatusI69 - Ineligible - Signature not Obtained (90-69B or 90-69D) -92.2981438 6.2388238 -14.7941577 0.0000000
haStatusI69,IID - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage -88.8116848 6.1927607 -14.3412106 0.0000000
haStatusI69,IID,IIDV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification -92.6155292 15.9219774 -5.8168359 0.0000000
haStatusI69,IID,IIDV,ILDOBR - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review -90.9512066 33.6409436 -2.7035867 0.0068597
haStatusI69,IID,IIDV,ILDOBR,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified -84.2183005 47.5525973 -1.7710557 0.0765518
haStatusI69,IID,IIDV,ILDOBR,INONV,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified, Ownership Not Verified -101.3513249 47.5489356 -2.1315162 0.0330469
haStatusI69,IID,IIDV,ILDOBR,INPR - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, Not Primary Residence -89.6071945 47.5489310 -1.8845260 0.0594942
haStatusI69,IID,IIDV,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Occupancy Not Verified -90.2001153 12.7995704 -7.0471205 0.0000000
haStatusI69,IID,IIDV,INONV,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Occupancy Not Verified, Ownership Not Verified -94.8406301 21.3117464 -4.4501576 0.0000086
haStatusI69,IID,IIDV,INPR - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Not Primary Residence -88.9611665 14.4174614 -6.1703766 0.0000000
haStatusI69,IID,IIDV,INPR,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Failed Identity Verification, Not Primary Residence, Ownership Not Verified -93.5319248 16.8762660 -5.5422168 0.0000000
haStatusI69,IID,ILDOBR - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ineligible Linked For Duplicate Review -90.8298663 21.3120004 -4.2619118 0.0000203
haStatusI69,IID,ILDOBR,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ineligible Linked For Duplicate Review, Occupancy Not Verified -84.7869861 9.1199394 -9.2968804 0.0000000
haStatusI69,IID,ILDOBR,INONV,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ineligible Linked For Duplicate Review, Occupancy Not Verified, Ownership Not Verified -95.3587740 13.8095321 -6.9052864 0.0000000
haStatusI69,IID,ILDOBR,INPR - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ineligible Linked For Duplicate Review, Not Primary Residence -91.7681490 10.4915338 -8.7468763 0.0000000
haStatusI69,IID,ILDOBR,INPR,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ineligible Linked For Duplicate Review, Not Primary Residence, Ownership Not Verified -94.7187374 15.9197862 -5.9497493 0.0000000
haStatusI69,IID,ILDOBR,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ineligible Linked For Duplicate Review, Ownership Not Verified -94.6480767 47.5490742 -1.9905346 0.0465324
haStatusI69,IID,INCI - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, No Contact for Inspection -84.9412606 19.4657795 -4.3636198 0.0000128
haStatusI69,IID,INDM,INPR - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ineligible Damages Not Disaster Related, Not Primary Residence -91.7318451 47.5492004 -1.9291985 0.0537066
haStatusI69,IID,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Occupancy Not Verified -92.2779320 2.8316376 -32.5881854 0.0000000
haStatusI69,IID,INONV,INSS - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Occupancy Not Verified, No substantiation submitted -88.6680663 47.5491593 -1.8647662 0.0622145
haStatusI69,IID,INONV,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Occupancy Not Verified, Ownership Not Verified -96.9324282 3.4574857 -28.0355256 0.0000000
haStatusI69,IID,INPR - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Not Primary Residence -92.0684863 5.8203157 -15.8184694 0.0000000
haStatusI69,IID,INPR,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Not Primary Residence, Ownership Not Verified -95.8941462 3.3405913 -28.7057401 0.0000000
haStatusI69,IID,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Insufficient Damage, Ownership Not Verified -93.4290824 15.1112888 -6.1827342 0.0000000
haStatusI69,IIDV - Ineligible - Signature not Obtained (90-69B or 90-69D), Failed Identity Verification -105.4623924 15.9197802 -6.6246136 0.0000000
haStatusI69,IIDV,ILDOBR - Ineligible Signature not Obtained (90-69B or 90-69D), Failed Identity Verification, Ineligible Linked For Duplicate Review -98.2666558 48.0164081 -2.0465224 0.0407053
haStatusI69,IIDV,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Failed Identity Verification, Occupancy Not Verified -103.0825747 33.6410329 -3.0641917 0.0021827
haStatusI69,IIDV,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Failed Identity Verification, Ownership Not Verified -89.4836707 47.5491686 -1.8819187 0.0598474
haStatusI69,ILDOBR - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Linked For Duplicate Review -92.1270692 33.6409732 -2.7385376 0.0061714
haStatusI69,ILDOBR,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Linked For Duplicate Review, Occupancy Not Verified -91.4385670 23.8139976 -3.8396983 0.0001232
haStatusI69,ILDOBR,INONV,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Linked For Duplicate Review, Occupancy Not Verified, Ownership Not Verified -103.4180544 47.5490625 -2.1749757 0.0296322
haStatusI69,ILDOBR,INPR,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Linked For Duplicate Review, Not Primary Residence, Ownership Not Verified -90.1577636 47.5490736 -1.8960993 0.0579473
haStatusI69,ILDOBR,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Linked For Duplicate Review, Ownership Not Verified -95.9607447 33.6408545 -2.8525062 0.0043377
haStatusI69,INCI - Ineligible Signature not Obtained (90-69B or 90-69D), No Contact for Inspection -87.9932374 47.5491307 -1.8505751 0.0642310
haStatusI69,INDM - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Damages Not Disaster Related -93.1823980 27.4825479 -3.3906026 0.0006974
haStatusI69,INDM,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Ineligible Damages Not Disaster Related, Occupancy Not Verified -94.4128176 27.4827522 -3.4353480 0.0005918
haStatusI69,INONV - Ineligible Signature not Obtained (90-69B or 90-69D), Occupancy Not Verified -93.1033732 10.7442319 -8.6654284 0.0000000
haStatusI69,INONV,INSS - Ineligible Signature not Obtained (90-69B or 90-69D), Occupancy Not Verified, No substantiation submitted -91.5359362 47.5491883 -1.9250788 0.0542198
haStatusI69,INONV,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Occupancy Not Verified, Ownership Not Verified -118.7618401 47.5508738 -2.4975743 0.0125048
haStatusI69,INP - Ineligible - Signature not Obtained (90-69B or 90-69D), Not Primary Residence -93.1405698 47.5489358 -1.9588361 0.0501323
haStatusI69,INPR - Ineligible Signature not Obtained (90-69B or 90-69D), Not Primary Residence -91.9477758 15.1109969 -6.0848253 0.0000000
haStatusI69,INPR,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Not Primary Residence, Ownership Not Verified -97.9889756 27.4835349 -3.5653702 0.0003634
haStatusI69,INSS,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), No substantiation submitted, Ownership Not Verified -108.7005365 47.5491952 -2.2860647 0.0222507
haStatusI69,IOWNV - Ineligible Signature not Obtained (90-69B or 90-69D), Ownership Not Verified -97.2403636 9.1193002 -10.6631388 0.0000000
haStatusI69B - Ineligible - Signature not Obtained (90-69B) 5.4132233 13.8085360 0.3920201 0.6950435
haStatusIAW - Ineligible - Same Address -66.3027975 1.7580544 -37.7137342 0.0000000
haStatusICBRA - Damaged Dwelling located in CBRA or OPA -107.8009600 11.6336191 -9.2663306 0.0000000
haStatusICBRA,IID - Ineligible - Damaged Dwelling located in CBRA or OPA, Insufficient Damage -56.3271827 18.0321624 -3.1237065 0.0017859
haStatusICBRA,IID,IOWNV - Ineligible Damaged Dwelling located in CBRA or OPA, Insufficient Damage, Ownership Not Verified -99.8126926 47.5489334 -2.0991573 0.0358033
haStatusIDUPA - Duplicate Application -92.9251396 1.7160248 -54.1513957 0.0000000
haStatusIDUPA,IID - Ineligible Duplicate Application, Insufficient Damage -86.4234895 8.3021356 -10.4097901 0.0000000
haStatusIDUPA,IID,IIDV - Ineligible - Duplicate Application, Insufficient Damage, Failed Identity Verification -96.6825328 27.4828576 -3.5179214 0.0004350
haStatusIDUPA,IID,INSS - Ineligible Duplicate Application, Insufficient Damage, No substantiation submitted -90.4775856 47.5490706 -1.9028255 0.0570636
haStatusIDUPA,IIDV - Ineligible Duplicate Application, Failed Identity Verification -100.9171984 8.4254646 -11.9776420 0.0000000
haStatusIDUPA,INSS - Ineligible Duplicate Application, No substantiation submitted -99.5386654 23.8139941 -4.1798392 0.0000292
haStatusIID- Ineligible - Insufficient Damage -70.0618856 1.5832185 -44.2528225 0.0000000
haStatusIID,IIDV - Ineligible Insufficient Damage, Failed Identity Verification -81.0888953 1.8072215 -44.8693730 0.0000000
haStatusIID,IIDV,ILDOBR - Ineligible Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review -84.3107378 4.3886168 -19.2112327 0.0000000
haStatusIID,IIDV,ILDOBR,INONV - Ineligible Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified -94.1569353 18.0318760 -5.2216938 0.0000002
haStatusIID,IIDV,ILDOBR,INPR - Ineligible Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, Not Primary Residence -95.0635243 47.5490501 -1.9992728 0.0455792
haStatusIID,IIDV,ILDOBR,INR - Ineligible Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, No Relocation -67.6285616 18.0331652 -3.7502325 0.0001767
haStatusIID,IIDV,ILDOBR,INS - Ineligible Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, Insured -100.0847740 21.3113787 -4.6963069 0.0000026
haStatusIID,IIDV,ILDOBR,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Ineligible Linked For Duplicate Review, Ownership Not Verified -72.8992398 18.0342890 -4.0422575 0.0000529
haStatusIID,IIDV,INDM - Ineligible Insufficient Damage, Failed Identity Verification, Ineligible Damages Not Disaster Related -92.9358572 33.6408001 -2.7625935 0.0057345
haStatusIID,IIDV,INFI,INI - Ineligible - Insufficient Damage, Failed Identity Verification, Has Flood Insurance, Ineligible Insurance -95.3644002 47.5489136 -2.0056063 0.0448986
haStatusIID,IIDV,INI - Ineligible - Insufficient Damage, Failed Identity Verification, Ineligible Insurance -99.8405516 16.8762222 -5.9160487 0.0000000
haStatusIID,IIDV,INONV - Ineligible Insufficient Damage, Failed Identity Verification, Occupancy Not Verified -82.3710432 4.9661882 -16.5863716 0.0000000
haStatusIID,IIDV,INONV,INS - Ineligible Insufficient Damage, Failed Identity Verification, Occupancy Not Verified, Insured -92.2299089 47.5513418 -1.9395858 0.0524304
haStatusIID,IIDV,INONV,INS,INSS,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Occupancy Not Verified, Insured, No substantiation submitted, Ownership Not Verified -88.9346420 47.5528372 -1.8702279 0.0614525
haStatusIID,IIDV,INONV,INS,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Occupancy Not Verified, Insured, Ownership Not Verified -96.8136864 47.5488850 -2.0360874 0.0417419
haStatusIID,IIDV,INONV,INSS - Ineligible Insufficient Damage, Failed Identity Verification, Occupancy Not Verified, No substantiation submitted -89.0700663 47.5528575 -1.8730750 0.0610584
haStatusIID,IIDV,INONV,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Occupancy Not Verified, Ownership Not Verified -91.8006648 7.1113761 -12.9089874 0.0000000
haStatusIID,IIDV,INPR - Ineligible Insufficient Damage, Failed Identity Verification, Not Primary Residence -93.7036639 10.4906744 -8.9320915 0.0000000
haStatusIID,IIDV,INPR,INS - Ineligible Insufficient Damage, Failed Identity Verification, Not Primary Residence, Insured -100.1170500 33.6408227 -2.9760583 0.0029199
haStatusIID,IIDV,INPR,INS,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Not Primary Residence, Insured, Ownership Not Verified -102.3116965 27.4829182 -3.7227377 0.0001971
haStatusIID,IIDV,INPR,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Not Primary Residence, Ownership Not Verified -94.6718883 9.6358234 -9.8249921 0.0000000
haStatusIID,IIDV,INR - Ineligible - Insufficient Damage, Failed Identity Verification, No Relocation -46.9131385 7.6844467 -6.1049468 0.0000000
haStatusIID,IIDV,INR,INS - Ineligible Insufficient Damage, Failed Identity Verification, No Relocation, Insured -94.2133423 33.6420009 -2.8004679 0.0051030
haStatusIID,IIDV,INS - Ineligible - Insufficient Damage, Failed Identity Verification, Insured -96.3370899 3.3454436 -28.7965066 0.0000000
haStatusIID,IIDV,INS,INSFI - Ineligible Insufficient Damage, Failed Identity Verification, Insured, Has Flood Insurance -100.7823703 47.5490051 -2.1195474 0.0340445
haStatusIID,IIDV,INS,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Insured, Ownership Not Verified -100.9906831 11.9865921 -8.4253041 0.0000000
haStatusIID,IIDV,INSFI - Ineligible Insufficient Damage, Failed Identity Verification, Has Flood Insurance -102.2874168 13.2755261 -7.7049615 0.0000000
haStatusIID,IIDV,INSFI,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Has Flood Insurance, Ownership Not Verified -101.3568223 47.5528948 -2.1314543 0.0330520
haStatusIID,IIDV,IOWNV - Ineligible Insufficient Damage, Failed Identity Verification, Ownership Not Verified -85.2097362 3.0991424 -27.4946184 0.0000000
haStatusIID,IIDV,NCOMP - Ineligible - Insufficient Damage, Failed Identity Verification, Non compliant with flood insurance requirement -97.2897711 27.4836687 -3.5399121 0.0004003
haStatusIID,ILDOBR - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review -76.0902564 1.7333886 -43.8968258 0.0000000
haStatusIID,ILDOBR,INONV - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Occupancy Not Verified -86.7466818 3.4592666 -25.0766107 0.0000000
haStatusIID,ILDOBR,INONV,INS - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Occupancy Not Verified, Insured -96.8583662 27.4831918 -3.5242765 0.0004247
haStatusIID,ILDOBR,INONV,INS,IOWNV - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Occupancy Not Verified, Insured, Ownership Not Verified -97.6953502 23.8139297 -4.1024456 0.0000409
haStatusIID,ILDOBR,INONV,IOWNV - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Occupancy Not Verified, Ownership Not Verified -91.5760642 7.1844862 -12.7463623 0.0000000
haStatusIID,ILDOBR,INPR - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Not Primary Residence -87.9251485 6.9721178 -12.6109672 0.0000000
haStatusIID,ILDOBR,INPR,INS - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Not Primary Residence, Insured -98.9062981 27.4837587 -3.5987180 0.0003198
haStatusIID,ILDOBR,INPR,INS,IOWNV - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Not Primary Residence, Insured, Ownership Not Verified -102.9515759 21.3126384 -4.8305411 0.0000014
haStatusIID,ILDOBR,INPR,IOWNV - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Not Primary Residence, Ownership Not Verified -95.2544986 7.4182958 -12.8404827 0.0000000
haStatusIID,ILDOBR,INR - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, No Relocation -76.5190324 11.9852548 -6.3844310 0.0000000
haStatusIID,ILDOBR,INR,INS - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, No Relocation, Insured -56.4290277 27.4827394 -2.0532534 0.0400483
haStatusIID,ILDOBR,INS - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Insured -92.1997977 4.0136543 -22.9715346 0.0000000
haStatusIID,ILDOBR,INS,INSFI - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Insured, Has Flood Insurance -103.7955296 33.6408655 -3.0854001 0.0020328
haStatusIID,ILDOBR,INS,IOWNV - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Insured, Ownership Not Verified -98.8682959 18.0320391 -5.4829238 0.0000000
haStatusIID,ILDOBR,INSFI - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Has Flood Insurance -101.8037208 15.1112808 -6.7369353 0.0000000
haStatusIID,ILDOBR,IOWNV - Ineligible Insufficient Damage, Ineligible Linked For Duplicate Review, Ownership Not Verified -81.7897628 3.9092727 -20.9219895 0.0000000
haStatusIID,INCI,INR - Ineligible Insufficient Damage, No Contact for Inspection, No Relocation -94.8346389 47.5527634 -1.9943034 0.0461192
haStatusIID,INDM - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related -75.0664557 4.4135582 -17.0081489 0.0000000
haStatusIID,INDM,INONV - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, Occupancy Not Verified -90.3127025 27.4828260 -3.2861505 0.0010157
haStatusIID,INDM,INONV,INS - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, Occupancy Not Verified, Insured -94.1234813 47.5490476 -1.9795030 0.0477597
haStatusIID,INDM,INONV,IOWNV - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, Occupancy Not Verified, Ownership Not Verified -88.7434352 47.5489217 -1.8663606 0.0619913
haStatusIID,INDM,INPR - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, Not Primary Residence -71.6484060 23.8135005 -3.0087305 0.0026235
haStatusIID,INDM,INPR,INSS - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, Not Primary Residence, No substantiation submitted -97.8724895 47.5491027 -2.0583457 0.0395573
haStatusIID,INDM,INS - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, Insured -102.9009657 18.0315645 -5.7067131 0.0000000
haStatusIID,INDM,INSS - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, No substantiation submitted -80.4488948 23.8140967 -3.3782048 0.0007296
haStatusIID,INDM,IOWNV - Ineligible Insufficient Damage, Ineligible Damages Not Disaster Related, Ownership Not Verified -60.0927600 21.3117000 -2.8197075 0.0048069
haStatusIID,INFI - Ineligible - Insufficient Damage, Has Flood Insurance -95.9850095 5.3622219 -17.9002308 0.0000000
haStatusIID,INFI,INI - Ineligible - Insufficient Damage, Has Flood Insurance, Ineligible Insurance -87.3082552 8.4216341 -10.3671395 0.0000000
haStatusIID,INFI,INI,INR - Ineligible - Insufficient Damage, Has Flood Insurance, Ineligible Insurance, No Relocation -98.6218946 47.5488241 -2.0741185 0.0380686
haStatusIID,INFI,INPR - Ineligible Insufficient Damage, Has Flood Insurance, Not Primary Residence -105.8546365 47.5501223 -2.2261696 0.0260031
haStatusIID,INFI,INR - Ineligible - Insufficient Damage, Has Flood Insurance, No Relocation -99.3032002 33.6406271 -2.9518831 0.0031585
haStatusIID,INFI,INR,INS - Ineligible Insufficient Damage, Has Flood Insurance, No Relocation, Insured -62.7166730 21.3124445 -2.9427255 0.0032535
haStatusIID,INFI,INS - Ineligible Insufficient Damage, Has Flood Insurance, Insured -96.1283604 23.8136044 -4.0366993 0.0000542
haStatusIID,INI - Ineligible - Insufficient Damage, Ineligible Insurance -90.3695471 1.9215668 -47.0290948 0.0000000
haStatusIID,INI,INONV - Ineligible Insufficient Damage, Ineligible Insurance, Occupancy Not Verified -96.7347544 19.4654874 -4.9695521 0.0000007
haStatusIID,INI,INONV,INR,INSFI - Ineligible Insufficient Damage, Ineligible Insurance, Occupancy Not Verified, No Relocation, Has Flood Insurance -99.5546279 47.5489497 -2.0937293 0.0362844
haStatusIID,INI,INPR - Ineligible Insufficient Damage, Ineligible Insurance, Not Primary Residence -99.0651421 15.1113333 -6.5556851 0.0000000
haStatusIID,INI,INR - Ineligible - Insufficient Damage, Ineligible Insurance, No Relocation -90.2864253 8.6799458 -10.4017269 0.0000000
haStatusIID,INI,INSFI - Ineligible Insufficient Damage, Ineligible Insurance, Has Flood Insurance -80.3323541 27.4834060 -2.9229403 0.0034675
haStatusIID,INONV - Ineligible Insufficient Damage, Occupancy Not Verified -87.4617149 1.9083211 -45.8317607 0.0000000
haStatusIID,INONV,INR - Ineligible Insufficient Damage, Occupancy Not Verified, No Relocation -87.4050926 19.4651544 -4.4903365 0.0000071
haStatusIID,INONV,INR,IOWNV - Ineligible Insufficient Damage, Occupancy Not Verified, No Relocation, Ownership Not Verified -91.3777342 47.5514018 -1.9216623 0.0546486
haStatusIID,INONV,INS - Ineligible Insufficient Damage, Occupancy Not Verified, Insured -96.2591582 4.9640182 -19.3913788 0.0000000
haStatusIID,INONV,INS,INSFI - Ineligible Insufficient Damage, Occupancy Not Verified, Insured, Has Flood Insurance -104.3061177 47.5490035 -2.1936552 0.0282605
haStatusIID,INONV,INS,INSS,IOWNV - Ineligible Insufficient Damage, Occupancy Not Verified, Insured, No substantiation submitted, Ownership Not Verified -74.6572328 47.5491522 -1.5701065 0.1163907
haStatusIID,INONV,INS,IOWNV - Ineligible Insufficient Damage, Occupancy Not Verified, Insured, Ownership Not Verified -99.8780172 4.7616221 -20.9756286 0.0000000
haStatusIID,INONV,INSFI - Ineligible Insufficient Damage, Occupancy Not Verified, Has Flood Insurance -103.2686583 23.8139364 -4.3364800 0.0000145
haStatusIID,INONV,INSFI,IOWNV - Ineligible Insufficient Damage, Occupancy Not Verified, Has Flood Insurance, Ownership Not Verified -95.7745050 47.5489900 -2.0142280 0.0439859
haStatusIID,INONV,INSS - Ineligible Insufficient Damage, Occupancy Not Verified, No substantiation submitted -92.5828003 33.6408581 -2.7520939 0.0059217
haStatusIID,INONV,INSS,IOWNV - Ineligible Insufficient Damage, Occupancy Not Verified, No substantiation submitted, Ownership Not Verified -90.8508925 47.5490839 -1.9106760 0.0560466
haStatusIID,INONV,IOWNV - Ineligible Insufficient Damage, Occupancy Not Verified, Ownership Not Verified -90.4988816 2.2929396 -39.4684976 0.0000000
haStatusIID,INONV,IOWNV,NCOMP - Ineligible Insufficient Damage, Occupancy Not Verified, Ownership Not Verified, Non compliant with flood insurance requirement -83.7306103 47.5530305 -1.7607839 0.0782753
haStatusIID,INP,INR,INS - Ineligible Insufficient Damage, Not Primary Residence, No Relocation, Insured -88.4589518 33.6420001 -2.6294201 0.0085532
haStatusIID,INPR - Ineligible Insufficient Damage, Not Primary Residence -89.2476868 2.2966817 -38.8594066 0.0000000
haStatusIID,INPR,INR - Ineligible Insufficient Damage, Not Primary Residence, No Relocation -91.2554702 18.0311928 -5.0609780 0.0000004
haStatusIID,INPR,INS - Ineligible Insufficient Damage, Not Primary Residence, Insured -100.7077436 8.3026545 -12.1295838 0.0000000
haStatusIID,INPR,INS,IOWNV - Ineligible Insufficient Damage, Not Primary Residence, Insured, Ownership Not Verified -100.9963545 4.5687091 -22.1061030 0.0000000
haStatusIID,INPR,INSFI - Ineligible Insufficient Damage, Not Primary Residence, Has Flood Insurance -106.8165379 33.6408154 -3.1752066 0.0014974
haStatusIID,INPR,INSS - Ineligible Insufficient Damage, Not Primary Residence, No substantiation submitted -60.2891699 27.4833651 -2.1936604 0.0282601
haStatusIID,INPR,IOWNV - Ineligible Insufficient Damage, Not Primary Residence, Ownership Not Verified -93.7840214 2.2167578 -42.3068422 0.0000000
haStatusIID,INPR,IOWNV,NCOMP - Ineligible Insufficient Damage, Not Primary Residence, Ownership Not Verified, Non compliant with flood insurance requirement -88.9612658 47.5511194 -1.8708553 0.0613655
haStatusIID,INR - Ineligible - Insufficient Damage, No Relocation -72.2145948 2.9015891 -24.8879471 0.0000000
haStatusIID,INR,INS - Ineligible Insufficient Damage, No Relocation, Insured -88.3351218 8.3015556 -10.6407914 0.0000000
haStatusIID,INR,INSFI - Ineligible Insufficient Damage, No Relocation, Has Flood Insurance -104.9939366 27.4832130 -3.8202934 0.0001333
haStatusIID,INR,IOWNV - Ineligible Insufficient Damage, No Relocation, Ownership Not Verified -88.6227747 27.4826210 -3.2246842 0.0012612
haStatusIID,INS - Ineligible Insufficient Damage, Insured -94.9530211 1.6216652 -58.5527909 0.0000000
haStatusIID,INS,INSFI - Ineligible Insufficient Damage, Insured, Has Flood Insurance -99.3315879 3.3657990 -29.5120376 0.0000000
haStatusIID,INS,INSFI,INSS - Ineligible Insufficient Damage, Insured, Has Flood Insurance, No substantiation submitted -101.4896130 47.5490559 -2.1344191 0.0328088
haStatusIID,INS,INSFI,IOWNV - Ineligible Insufficient Damage, Insured, Has Flood Insurance, Ownership Not Verified -101.7910037 27.4828856 -3.7037961 0.0002124
haStatusIID,INS,INSS - Ineligible Insufficient Damage, Insured, No substantiation submitted -101.2284798 13.8098013 -7.3301909 0.0000000
haStatusIID,INS,IOWNV - Ineligible Insufficient Damage, Insured, Ownership Not Verified -94.8143874 2.5590474 -37.0506570 0.0000000
haStatusIID,INSFI - Ineligible Insufficient Damage, Has Flood Insurance -100.8411042 2.1379723 -47.1667038 0.0000000
haStatusIID,INSFI,IOWNV - Ineligible Insufficient Damage, Has Flood Insurance, Ownership Not Verified -101.8039048 9.6354848 -10.5655197 0.0000000
haStatusIID,INSS - Ineligible Insufficient Damage, No substantiation submitted -62.9952597 5.5118099 -11.4291423 0.0000000
haStatusIID,INSS,IOWNV - Ineligible Insufficient Damage, No substantiation submitted, Ownership Not Verified -74.5112060 16.8760303 -4.4152093 0.0000101
haStatusIID,INSS,NCOMP - Ineligible Insufficient Damage, No substantiation submitted, Non compliant with flood insurance requirement 5.8766644 47.5490991 0.1235915 0.9016388
haStatusIID,IOWNV - Ineligible Insufficient Damage, Ownership Not Verified -78.2331437 1.6776810 -46.6317169 0.0000000
haStatusIID,IOWNV,NCOMP - Ineligible Insufficient Damage, Ownership Not Verified, Non compliant with flood insurance requirement -82.9477007 11.0168753 -7.5291495 0.0000000
haStatusIID,ISC - Ineligible - Insufficient Damage, Sanctioned Community in SFHA -100.7134652 27.4829714 -3.6645770 0.0002478
haStatusIID,NCOMP - Ineligible - Insufficient Damage, Non compliant with flood insurance requirement -88.0699290 3.7064733 -23.7611124 0.0000000
haStatusIIDV - Ineligible - Failed Identity Verification -90.5675453 2.2639611 -40.0040203 0.0000000
haStatusIIDV,ILDOBR - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review -96.5229465 5.1273170 -18.8252350 0.0000000
haStatusIIDV,ILDOBR,IMI - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Missed Inspection -92.5808006 27.4835045 -3.3685952 0.0007556
haStatusIIDV,ILDOBR,INCI - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, No Contact for Inspection -92.4041728 7.9723195 -11.5906259 0.0000000
haStatusIIDV,ILDOBR,INDM - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Ineligible Damages Not Disaster Related -87.2620939 21.3115425 -4.0945931 0.0000423
haStatusIIDV,ILDOBR,INONV - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified -105.8058138 12.7999712 -8.2660978 0.0000000
haStatusIIDV,ILDOBR,INONV,INR - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified, No Relocation -106.2619656 27.5734048 -3.8537847 0.0001163
haStatusIIDV,ILDOBR,INONV,INSFI - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified, Has Flood Insurance -175.3024942 47.5499646 -3.6867008 0.0002272
haStatusIIDV,ILDOBR,INONV,IOWNV - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Occupancy Not Verified, Ownership Not Verified -123.0669528 47.5533643 -2.5879757 0.0096543
haStatusIIDV,ILDOBR,INR - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, No Relocation -89.3060623 9.4568957 -9.4434861 0.0000000
haStatusIIDV,ILDOBR,INR,IOWNV - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, No Relocation, Ownership Not Verified -78.0949474 23.8145586 -3.2792943 0.0010407
haStatusIIDV,ILDOBR,INS - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Insured -106.9935435 47.5491232 -2.2501686 0.0244385
haStatusIIDV,ILDOBR,INSFI - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Has Flood Insurance -151.6686389 33.6416570 -4.5083582 0.0000065
haStatusIIDV,ILDOBR,IOWNV - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Ownership Not Verified -103.5941417 23.8161013 -4.3497523 0.0000136
haStatusIIDV,ILDOBR,WVO - Ineligible Failed Identity Verification, Ineligible Linked For Duplicate Review, Withdrawn - Applicant Withdrew Voluntarily -90.5258907 4.9018950 -18.4675296 0.0000000
haStatusIIDV,IMI - Ineligible - Failed Identity Verification, Missed Inspection -90.2836388 7.9724976 -11.3243859 0.0000000
haStatusIIDV,INCI - Ineligible - Failed Identity Verification, No Contact for Inspection -92.5496070 3.1226415 -29.6382429 0.0000000
haStatusIIDV,INDM - Ineligible Failed Identity Verification, Ineligible Damages Not Disaster Related -88.5997161 6.4365775 -13.7650352 0.0000000
haStatusIIDV,INDM,INONV - Ineligible Failed Identity Verification, Ineligible Damages Not Disaster Related, Occupancy Not Verified -115.0224186 47.5502650 -2.4189648 0.0155650
haStatusIIDV,INDM,INS - Ineligible Failed Identity Verification, Ineligible Damages Not Disaster Related, Insured -93.4183774 21.3112801 -4.3835179 0.0000117
haStatusIIDV,INFI - Ineligible - Failed Identity Verification, Has Flood Insurance -104.5289407 47.5489496 -2.1983438 0.0279249
haStatusIIDV,INFI,INR - Ineligible Failed Identity Verification, Has Flood Insurance, No Relocation -114.0944048 33.6409419 -3.3915342 0.0006951
haStatusIIDV,INI - Ineligible Failed Identity Verification, Ineligible Insurance -103.1892922 11.3123574 -9.1218204 0.0000000
haStatusIIDV,INI,INR - Ineligible Failed Identity Verification, Insurance, No Relocation -102.7936018 16.8758595 -6.0911624 0.0000000
haStatusIIDV,INONV - Ineligible Failed Identity Verification, Occupancy Not Verified -96.1426687 4.0358448 -23.8221915 0.0000000
haStatusIIDV,INONV,INR - Ineligible Failed Identity Verification, Occupancy Not Verified, No Relocation -113.0444870 21.3120933 -5.3042414 0.0000001
haStatusIIDV,INONV,INR,IOWNV - Ineligible Failed Identity Verification, Occupancy Not Verified, No Relocation, Ownership Not Verified -92.4071887 33.6408738 -2.7468724 0.0060168
haStatusIIDV,INONV,INS,IOWNV - Ineligible Failed Identity Verification, Occupancy Not Verified, Insured, Ownership Not Verified -110.8965898 47.5491069 -2.3322539 0.0196876
haStatusIIDV,INONV,INSFI,IOWNV - Ineligible Failed Identity Verification, Occupancy Not Verified, Has Flood Insurance, Ownership Not Verified -143.1500804 47.5494960 -3.0105488 0.0026078
haStatusIIDV,INONV,IOWNV - Ineligible Failed Identity Verification, Occupancy Not Verified, Ownership Not Verified -104.4929596 7.1842489 -14.5447300 0.0000000
haStatusIIDV,INONV,IOWNV,IRND - Ineligible Failed Identity Verification, Occupancy Not Verified, Ownership Not Verified, Reported No Damage -94.3388277 19.4662716 -4.8462710 0.0000013
haStatusIIDV,INONV,IRND - Ineligible Failed Identity Verification, Occupancy Not Verified, Reported No Damage -93.1643789 15.9200241 -5.8520250 0.0000000
haStatusIIDV,INPR - Ineligible Failed Identity Verification, Not Primary Residence -106.4497429 16.8798197 -6.3063317 0.0000000
haStatusIIDV,INPR,IOWNV - Ineligible Failed Identity Verification, Not Primary Residence, Ownership Not Verified -143.8168351 23.8154267 -6.0388099 0.0000000
haStatusIIDV,INR - Ineligible Failed Identity Verification, No Relocation -88.2366062 2.7429517 -32.1684870 0.0000000
haStatusIIDV,INR,INS - Ineligible Failed Identity Verification, No Relocation, Insured -97.3240794 5.7466376 -16.9358304 0.0000000
haStatusIIDV,INR,INS,INSFI - Ineligible Failed Identity Verification, No Relocation, Insured, Has Flood Insurance -118.1206051 21.3115943 -5.5425513 0.0000000
haStatusIIDV,INR,INS,IOWNV - Ineligible Failed Identity Verification, No Relocation, Insured, Ownership Not Verified -97.0551912 33.6410006 -2.8850269 0.0039139
haStatusIIDV,INR,INSFI - Ineligible Failed Identity Verification, No Relocation, Has Flood Insurance -117.1620710 8.9659093 -13.0675057 0.0000000
haStatusIIDV,INR,IOWNV - Ineligible Failed Identity Verification, No Relocation, Ownership Not Verified -91.2896867 6.4921037 -14.0616495 0.0000000
haStatusIIDV,INS - Ineligible Failed Identity Verification, Insured -96.1657723 2.4636856 -39.0332966 0.0000000
haStatusIIDV,INS,INSFI - Ineligible Failed Identity Verification, Insured, Has Flood Insurance -125.7874566 33.6409872 -3.7391131 0.0001847
haStatusIIDV,INS,INSFI,INSS - Ineligible Failed Identity Verification, Insured, Has Flood Insurance, No substantiation submitted -129.8117599 47.5491986 -2.7300515 0.0063326
haStatusIIDV,INS,IOWNV - Ineligible Failed Identity Verification, Insured, Ownership Not Verified -115.7329004 19.4668727 -5.9451203 0.0000000
haStatusIIDV,INSFI - Ineligible Failed Identity Verification, Has Flood Insurance -131.2498863 11.6351855 -11.2804292 0.0000000
haStatusIIDV,INSFI,IOWNV - Ineligible Failed Identity Verification, Has Flood Insurance, Ownership Not Verified -152.8480022 47.5493958 -3.2145099 0.0013067
haStatusIIDV,INSS - Ineligible Failed Identity Verification, No substantiation submitted -117.5533329 27.4828354 -4.2773364 0.0000189
haStatusIIDV,IOWNV - Ineligible Failed Identity Verification, Ownership Not Verified -98.6530881 5.7841266 -17.0558315 0.0000000
haStatusIIDV,IOWNV,IRND - Ineligible Failed Identity Verification, Ownership Not Verified, Reported No Damage -92.5188144 27.4836549 -3.3663214 0.0007618
haStatusIIDV,IOWNV,NCOMP - Ineligible Failed Identity Verification, Ownership Not Verified, Non compliant with flood insurance requirement -101.7423094 47.5529032 -2.1395604 0.0323906
haStatusIIDV,IRND - Ineligible Failed Identity Verification, Reported No Damage -86.2114639 11.0170556 -7.8252727 0.0000000
haStatusIIDV,WVO - Ineligible Failed Identity Verification, Applicant Withdrew Voluntarily -91.4922330 2.6070999 -35.0934891 0.0000000
haStatusILDOBR,IMI - Ineligible Ineligible Linked For Duplicate Review, Missed Inspection -90.0725584 3.9548838 -22.7750204 0.0000000
haStatusILDOBR,INCI - Ineligible Ineligible Linked For Duplicate Review, No Contact for Inspection -89.6512466 2.0195436 -44.3918347 0.0000000
haStatusILDOBR,INDM - Ineligible Ineligible Linked For Duplicate Review, Ineligible Damages Not Disaster Related -73.3159005 4.7985086 -15.2788931 0.0000000
haStatusILDOBR,INDM,INONV - Ineligible Linked For Duplicate Review, Ineligible Damages Not Disaster Related, Occupancy Not Verified -50.4924578 27.4826525 -1.8372483 0.0661736
haStatusILDOBR,INDM,INS - Ineligible Linked For Duplicate Review, Ineligible Damages Not Disaster Related, Insured -95.1245133 18.0310713 -5.2755886 0.0000001
haStatusILDOBR,INDM,IOWNV - Ineligible Ineligible Linked For Duplicate Review, Ineligible Damages Not Disaster Related, Ownership Not Verified -84.5608090 47.5488373 -1.7783991 0.0753387
haStatusILDOBR,INONV - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified -102.1147061 3.0786005 -33.1691965 0.0000000
haStatusILDOBR,INONV,INR - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified, No Relocation -92.0929283 8.8202970 -10.4410235 0.0000000
haStatusILDOBR,INONV,INR,IOWNV - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified, No Relocation, Ownership Not Verified -96.9394346 21.3116586 -4.5486574 0.0000054
haStatusILDOBR,INONV,INS - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified, Insured -100.7928894 23.8146496 -4.2323902 0.0000231
haStatusILDOBR,INONV,INS,IOWNV - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified, Insured, Ownership Not Verified -104.4152935 33.6410699 -3.1038042 0.0019106
haStatusILDOBR,INONV,IOWNV - Ineligible Ineligible Linked For Duplicate Review, Occupancy Not Verified, Ownership Not Verified -99.3888250 10.2590544 -9.6879129 0.0000000
haStatusILDOBR,INR - Ineligible Ineligible Linked For Duplicate Review, No Relocation -72.6803524 2.6242397 -27.6957749 0.0000000
haStatusILDOBR,INR,INS - Ineligible Ineligible Linked For Duplicate Review, No Relocation, Insured -95.0470244 6.6582266 -14.2751262 0.0000000
haStatusILDOBR,INR,INS,INSFI - Ineligible Ineligible Linked For Duplicate Review, No Relocation, Insured, Has Flood Insurance -125.5473963 15.1114779 -8.3080819 0.0000000
haStatusILDOBR,INR,INS,INSFI,IOWNV - Ineligible Ineligible Linked For Duplicate Review, No Relocation, Insured, Has Flood Insurance, Ownership Not Verified -126.1965231 47.5492684 -2.6540161 0.0079542
haStatusILDOBR,INR,INS,IOWNV - Ineligible Ineligible Linked For Duplicate Review, No Relocation, Insured, Ownership Not Verified -99.2823105 27.4829275 -3.6125086 0.0003033
haStatusILDOBR,INR,INSFI - Ineligible Ineligible Linked For Duplicate Review, No Relocation, Has Flood Insurance -128.6431216 11.6347535 -11.0567982 0.0000000
haStatusILDOBR,INR,IOWNV - Ineligible Ineligible Linked For Duplicate Review, No Relocation, Ownership Not Verified -84.1339620 6.4911705 -12.9612929 0.0000000
haStatusILDOBR,INS - Ineligible Ineligible Linked For Duplicate Review, Insured -93.4397286 4.9211038 -18.9875551 0.0000000
haStatusILDOBR,INS,INSFI - Ineligible Ineligible Linked For Duplicate Review, Insured, Has Flood Insurance -154.8249006 33.6412949 -4.6022277 0.0000042
haStatusILDOBR,INS,IOWNV - Ineligible Ineligible Linked For Duplicate Review, Insured, Ownership Not Verified -95.1398308 19.4657982 -4.8875381 0.0000010
haStatusILDOBR,INSFI - Ineligible Ineligible Linked For Duplicate Review, Has Flood Insurance -147.4954985 47.5497362 -3.1019204 0.0019228
haStatusILDOBR,INSS Ineligible Ineligible Linked For Duplicate Review, No substantiation submitted -95.6350203 21.3115237 -4.4874792 0.0000072
haStatusILDOBR,IOWNV - Ineligible Ineligible Linked For Duplicate Review, Ownership Not Verified -114.8902986 33.6413037 -3.4151560 0.0006375
haStatusILDOBR,WVO - Ineligible Ineligible Linked For Duplicate Review, Withdrawn - Applicant Withdrew Voluntarily -88.4312463 1.8177164 -48.6496383 0.0000000
haStatusILER - Ineligible Lodging Expenses Reimbursement -58.0289444 1.9503713 -29.7527686 0.0000000
haStatusILER,INDM,INSS - Ineligible Ineligible Lodging Expenses Reimbursement, Ineligible Damages Not Disaster Related, No substantiation submitted -83.1744156 27.4827087 -3.0264271 0.0024747
haStatusILER,INSS - Ineligible Ineligible Lodging Expenses Reimbursement, No substantiation submitted -68.5826848 6.3867156 -10.7383340 0.0000000
haStatusIMI - Ineligible - Missed Inspection -87.7083891 2.0867954 -42.0301804 0.0000000
haStatusINC - Ineligible - No change on appeal, original ineligible status stands -55.9255408 1.7518003 -31.9246092 0.0000000
haStatusINCI - Ineligible - No Contact for Inspection -81.9554909 1.6395249 -49.9873428 0.0000000
haStatusINDM - Ineligible Damages Not Disaster Related -85.7855632 1.8052789 -47.5192865 0.0000000
haStatusINDM,INONV - Ineligible Damages Not Disaster Related, Occupancy Not Verified -90.7262338 9.1189170 -9.9492335 0.0000000
haStatusINDM,INONV,INS,IOWNV - Ineligible Ineligible Damages Not Disaster Related, Occupancy Not Verified, Insured, Ownership Not Verified -97.5278059 47.5489395 -2.0511037 0.0402572
haStatusINDM,INONV,IOWNV - Ineligible Ineligible Damages Not Disaster Related, Occupancy Not Verified, Ownership Not Verified -87.9464608 18.0308738 -4.8775485 0.0000011
haStatusINDM,INPR - Ineligible Damages Not Disaster Related, Not Primary Residence -70.7520578 21.3107945 -3.3200103 0.0009002
haStatusINDM,INPR,IOWNV - Ineligible Damages Not Disaster Related, Not Primary Residence, Ownership Not Verified -98.0418549 47.5492962 -2.0618992 0.0392176
haStatusINDM,INR - Ineligible Damages Not Disaster Related, No Relocation -62.2557101 21.3112623 -2.9212587 0.0034863
haStatusINDM,INS - Ineligible Damages Not Disaster Related, Insured -90.4358650 3.0418159 -29.7308806 0.0000000
haStatusINDM,INS,INSFI - Ineligible Damages Not Disaster Related, Insured, Has Flood Insurance -32.7648867 33.6409905 -0.9739573 0.3300780
haStatusINDM,INS,INSS - Ineligible Ineligible Damages Not Disaster Related, Insured, No substantiation submitted 12.5089884 47.5485985 0.2630780 0.7924906
haStatusINDM,INS,IOWNV - Ineligible Damages Not Disaster Related, Insured, Ownership Not Verified -80.5612706 23.8137722 -3.3829697 0.0007171
haStatusINDM,INSFI - Ineligible Damages Not Disaster Related, Has Flood Insurance -98.8410908 8.8191406 -11.2075649 0.0000000
haStatusINDM,INSS - Ineligible Ineligible Damages Not Disaster Related, No substantiation submitted -102.9503977 47.5489758 -2.1651444 0.0303769
haStatusINDM,IOWNV - Ineligible Ineligible Damages Not Disaster Related, Ownership Not Verified -86.3522194 6.4366110 -13.4157897 0.0000000
haStatusINDM,NCOMP - Ineligible Ineligible Damages Not Disaster Related, Non compliant with flood insurance requirement -68.5564315 27.4826269 -2.4945371 0.0126123
haStatusINDR - Ineligible - Damages Not Disaster Related -57.6845668 2.3119584 -24.9505212 0.0000000
haStatusINFI - Ineligible - Has Flood Insurance -73.7070210 1.9581073 -37.6419715 0.0000000
haStatusINFI,INI - Ineligible Has Flood Insurance, Ineligible Insurance -93.7075791 2.8786711 -32.5523743 0.0000000
haStatusINFI,INI,INONV - Ineligible Has Flood Insurance, Ineligible Insurance, Occupancy Not Verified -149.4273952 27.4834542 -5.4369947 0.0000001
haStatusINFI,INI,INPR - Ineligible Has Flood Insurance, Ineligible Insurance, Not Primary Residence -101.5180514 47.5490577 -2.1350171 0.0327599
haStatusINFI,INI,INR - Ineligible Has Flood Insurance, Insurance, No Relocation -95.6659147 6.7771246 -14.1160035 0.0000000
haStatusINFI,INONV - Ineligible Has Flood Insurance, Occupancy Not Verified -138.3897443 18.0319970 -7.6746765 0.0000000
haStatusINFI,INONV,INR - Ineligible Has Flood Insurance, Occupancy Not Verified, No Relocation -99.0284685 47.5487458 -2.0826726 0.0372814
haStatusINFI,INPR - Ineligible Has Flood Insurance, Not Primary Residence -118.8477849 23.8142488 -4.9906166 0.0000006
haStatusINFI,INR - Ineligible Has Flood Insurance, No Relocation -99.4922537 4.3431387 -22.9079155 0.0000000
haStatusINFI,INR,INS - Ineligible Has Flood Insurance, No Relocation, Insured -105.4389200 18.0308793 -5.8476860 0.0000000
haStatusINFI,INS - Ineligible Has Flood Insurance, Insured -104.0943422 8.8179324 -11.8048469 0.0000000
haStatusINI - Ineligible - Ineligible Insurance -67.4102175 1.6386824 -41.1368415 0.0000000
haStatusINI,INONV - Ineligible Ineligible Insurance, Occupancy Not Verified -74.3828232 7.7721044 -9.5704869 0.0000000
haStatusINI,INONV,INR - Ineligible Ineligible Insurance, Occupancy Not Verified, No Relocation -98.0590530 33.6407690 -2.9148874 0.0035583
haStatusINI,INPR - Ineligible Ineligible Insurance, Not Primary Residence -103.6601712 11.3126271 -9.1632271 0.0000000
haStatusINI,INPR,INR - Ineligible Ineligible Insurance, Not Primary Residence, No Relocation -58.1061959 33.6416615 -1.7272095 0.0841304
haStatusINI,INPR,INR,INSFI - Ineligible Ineligible Insurance, Not Primary Residence, No Relocation, Has Flood Insurance -156.1995889 47.5493997 -3.2849960 0.0010199
haStatusINI,INR - Ineligible Insurance, No Relocation -62.5726463 2.4296743 -25.7535122 0.0000000
haStatusINI,INR,INSFI - Ineligible Ineligible Insurance, No Relocation, Has Flood Insurance -89.0636026 18.0313518 -4.9393747 0.0000008
haStatusINI,INSFI - Ineligible Ineligible Insurance, Has Flood Insurance -98.6056785 5.9734991 -16.5071889 0.0000000
haStatusINO - Ineligible - Other -14.0892982 1.6101370 -8.7503725 0.0000000
haStatusINONV - Ineligible - Occupancy Not Verified -94.8180835 1.8012951 -52.6388394 0.0000000
haStatusINONV,INR - Ineligible Occupancy Not Verified, No Relocation -101.3648270 3.5469122 -28.5783299 0.0000000
haStatusINONV,INR,INS - Ineligible Occupancy Not Verified, No Relocation, Insured -105.8738714 12.7994965 -8.2717216 0.0000000
haStatusINONV,INR,INS,INSFI - Ineligible Occupancy Not Verified, No Relocation, Insured, Has Flood Insurance -127.9741429 27.4832285 -4.6564450 0.0000032
haStatusINONV,INR,INS,IOWNV - Ineligible Occupancy Not Verified, No Relocation, Insured, Ownership Not Verified -61.8666649 16.8762705 -3.6658967 0.0002465
haStatusINONV,INR,INSFI - Ineligible Occupancy Not Verified, No Relocation, Has Flood Insurance -126.0140783 13.2757739 -9.4920326 0.0000000
haStatusINONV,INR,INSFI,IOWNV - Ineligible Occupancy Not Verified, No Relocation, Has Flood Insurance, Ownership Not Verified -132.0406076 23.8145692 -5.5445306 0.0000000
haStatusINONV,INR,IOWNV - Ineligible Occupancy Not Verified, No Relocation, Ownership Not Verified -99.7119693 4.4146013 -22.5868573 0.0000000
haStatusINONV,INS - Ineligible Occupancy Not Verified, Insured -105.5111009 8.3021366 -12.7089093 0.0000000
haStatusINONV,INS,INSFI - Ineligible Occupancy Not Verified, Insured, Has Flood Insurance -132.6054188 21.3121646 -6.2220530 0.0000000
haStatusINONV,INS,INSFI,IOWNV - Ineligible Occupancy Not Verified, Insured, Has Flood Insurance, Ownership Not Verified -126.0691590 27.4835851 -4.5870711 0.0000045
haStatusINONV,INS,INSS - Ineligible Occupancy Not Verified, Insured, No substantiation submitted -95.6159108 47.5487776 -2.0109016 0.0443362
haStatusINONV,INS,INSS,IOWNV - Ineligible Occupancy Not Verified, Insured, No substantiation submitted, Ownership Not Verified -99.3171932 47.5489953 -2.0887338 0.0367320
haStatusINONV,INS,IOWNV - Ineligible Occupancy Not Verified, Insured, Ownership Not Verified -97.4776814 8.9667465 -10.8710201 0.0000000
haStatusINONV,INSFI - Ineligible Occupancy Not Verified, Has Flood Insurance -130.3775113 15.1115561 -8.6276695 0.0000000
haStatusINONV,INSFI,IOWNV - Ineligible Occupancy Not Verified, Has Flood Insurance, Ownership Not Verified -125.2688822 33.6424167 -3.7235399 0.0001965
haStatusINONV,INSS - Ineligible Occupancy Not Verified, No substantiation submitted -96.1413903 15.9194993 -6.0392220 0.0000000
haStatusINONV,INSS,IOWNV - Ineligible Occupancy Not Verified, No substantiation submitted, Ownership Not Verified -87.8022240 33.6422787 -2.6098774 0.0090576
haStatusINONV,IOWNV - Ineligible Occupancy Not Verified, Ownership Not Verified -97.9024092 2.3746490 -41.2281593 0.0000000
haStatusINONV,IOWNV,IRND - Ineligible Occupancy Not Verified, Ownership Not Verified, Reported No Damage -93.3309027 7.9719352 -11.7074337 0.0000000
haStatusINONV,IOWNV,NCOMP - Ineligible Occupancy Not Verified, Ownership Not Verified, Non compliant with flood insurance requirement -147.7459785 23.8155682 -6.2037562 0.0000000
haStatusINONV,IRND - Ineligible Occupancy Not Verified, Reported No Damage -92.0453542 4.5365815 -20.2895845 0.0000000
haStatusINONV,NCOMP - Ineligible Occupancy Not Verified, Non compliant with flood insurance requirement -105.4548361 33.6453947 -3.1343022 0.0017227
haStatusINP - Ineligible - Not Primary Residence -73.9510392 1.8919702 -39.0867878 0.0000000
haStatusINP,INS - Ineligible Not Primary Residence, Insured -99.0910236 33.6421366 -2.9454438 0.0032250
haStatusINPR - Ineligible - Not Primary Residence -90.5641234 1.9630153 -46.1352110 0.0000000
haStatusINPR,INR - Ineligible Not Primary Residence, No Relocation -90.9487286 15.9195960 -5.7130048 0.0000000
haStatusINPR,INR,INS - Ineligible Not Primary Residence, No Relocation, Insured -100.6349893 47.5514561 -2.1163388 0.0343163
haStatusINPR,INS - Ineligible Not Primary Residence, Insured -108.9659693 12.3723493 -8.8072173 0.0000000
haStatusINPR,INS,INSFI - Ineligible Not Primary Residence, Insured, Has Flood Insurance -107.3869632 47.5504326 -2.2583804 0.0239222
haStatusINPR,INS,INSFI,IOWNV - Ineligible Not Primary Residence, Insured, Has Flood Insurance, Ownership Not Verified -99.1996873 47.5488855 -2.0862673 0.0369547
haStatusINPR,INS,INSS - Ineligible Not Primary Residence, Insured, No substantiation submitted -106.7030694 47.5490440 -2.2440634 0.0248286
haStatusINPR,INS,IOWNV - Ineligible Not Primary Residence, Insured, Ownership Not Verified -92.9781865 19.4659024 -4.7764642 0.0000018
haStatusINPR,INSFI - Ineligible Not Primary Residence, Has Flood Insurance -164.9972624 47.5495619 -3.4700059 0.0005205
haStatusINPR,INSFI,INSS - Ineligible Not Primary Residence, Has Flood Insurance, No substantiation submitted -103.7668238 47.5515694 -2.1821956 0.0290954
haStatusINPR,INSFI,IOWNV - Ineligible Not Primary Residence, Has Flood Insurance, Ownership Not Verified -125.2910162 33.6410647 -3.7243475 0.0001958
haStatusINPR,INSS - Ineligible Not Primary Residence, No substantiation submitted -77.7695642 15.9191904 -4.8852713 0.0000010
haStatusINPR,INSS,IOWNV - Ineligible Not Primary Residence, No substantiation submitted, Ownership Not Verified -95.1408072 23.8138342 -3.9951906 0.0000646
haStatusINPR,IOWNV - Ineligible Not Primary Residence, Ownership Not Verified -102.9717255 4.4000241 -23.4025366 0.0000000
haStatusINPR,NCOMP - Ineligible Not Primary Residence, Non compliant with flood insurance requirement -95.5655181 19.4652083 -4.9095554 0.0000009
haStatusINR- Ineligible - No Relocation 34.5233187 1.5885475 21.7326328 0.0000000
haStatusINR,INS - Ineligible No Relocation, Insured -29.9351795 1.6386019 -18.2687318 0.0000000
haStatusINR,INS,INSFI - Ineligible No Relocation, Insured, Has Flood Insurance -111.6795861 2.1752471 -51.3411037 0.0000000
haStatusINR,INS,INSFI,IOWNV - Ineligible No Relocation, Insured, Has Flood Insurance, Ownership Not Verified -113.1853717 27.4832048 -4.1183469 0.0000382
haStatusINR,INS,INSS - Ineligible No Relocation, Insured, No substantiation submitted -6.0954352 33.6408849 -0.1811913 0.8562175
haStatusINR,INS,IOWNV - Ineligible No Relocation, Insured, Ownership Not Verified -88.4032181 4.6882685 -18.8562617 0.0000000
haStatusINR,INSFI - Ineligible No Relocation, Has Flood Insurance -113.0088909 1.7451067 -64.7575838 0.0000000
haStatusINR,INSFI,IOWNV - Ineligible No Relocation, Has Flood Insurance, Ownership Not Verified -104.2812834 10.2548162 -10.1690056 0.0000000
haStatusINR,INSS - Ineligible No Relocation, No substantiation submitted -59.5927007 27.4828971 -2.1683558 0.0301319
haStatusINR,INSS,IOWNV - Ineligible No Relocation, No substantiation submitted, Ownership Not Verified -22.1065394 47.5490931 -0.4649203 0.6419886
haStatusINR,IOWNV - Ineligible No Relocation, Ownership Not Verified -80.0404176 1.9213641 -41.6581200 0.0000000
haStatusINS - Insured -85.3876210 1.5881273 -53.7662337 0.0000000
haStatusINS,INSFI - Ineligible Insured, Has Flood Insurance -123.6329263 2.4461625 -50.5415838 0.0000000
haStatusINS,INSFI,INSS - Ineligible Insured, Has Flood Insurance, No substantiation submitted -92.1921165 9.2799413 -9.9345581 0.0000000
haStatusINS,INSFI,IOWNV - Ineligible Insured, Has Flood Insurance, Ownership Not Verified -125.8676201 16.8765601 -7.4581324 0.0000000
haStatusINS,INSS - Ineligible Insured, No substantiation submitted -50.1564870 8.4222432 -5.9552408 0.0000000
haStatusINS,INSS,IOWNV - Ineligible Insured, No substantiation submitted, Ownership Not Verified -94.8091587 47.5490293 -1.9939242 0.0461607
haStatusINS,IOWNV - Ineligible Insured, Ownership Not Verified -91.0607792 3.8535038 -23.6306447 0.0000000
haStatusINS,IOWNV,IRND - Ineligible Insured, Ownership Not Verified, Reported No Damage -92.9727362 47.5489991 -1.9553037 0.0505476
haStatusINS,IRND - Ineligible Insured, Reported No Damage -63.2175538 27.4829017 -2.3002503 0.0214343
haStatusINSFI - Ineligible - Has Flood Insurance -97.6127868 3.3818378 -28.8638284 0.0000000
haStatusINSFI,INSS - Ineligible Has Flood Insurance, No substantiation submitted -79.6322628 15.9197657 -5.0021002 0.0000006
haStatusINSFI,INSS,IOWNV - Ineligible Has Flood Insurance, No substantiation submitted, Ownership Not Verified -174.6026858 47.5509304 -3.6719089 0.0002408
haStatusINSFI,IOWNV - Ineligible Has Flood Insurance, Ownership Not Verified -102.1158111 15.9190226 -6.4147036 0.0000000
haStatusINSI - Ineligible - Insured, Inspected - No Decision -65.7892022 1.6446414 -40.0021567 0.0000000
haStatusINSS - Ineligible - No substantiation submitted 13.5164372 1.7234160 7.8428177 0.0000000
haStatusINSS,IOWNV - Ineligible No substantiation submitted, Ownership Not Verified -52.3107912 12.3706963 -4.2286052 0.0000235
haStatusINSS,ISC - Ineligible No substantiation submitted, Sanctioned Community in SFHA 5.3153731 23.8142796 0.2232011 0.8233791
haStatusINSS,NCOMP - Ineligible No substantiation submitted, Non compliant with flood insurance requirement -185.7944553 47.5499282 -3.9073551 0.0000933
haStatusINSS,WVO - Ineligible No substantiation submitted, Withdrawn - Applicant Withdrew Voluntarily -19.8607193 27.4834107 -0.7226439 0.4698989
haStatusIOVR - Ineligible - Over Program Maximum -2.2890872 3.6169092 -0.6328849 0.5268090
haStatusIOWNV - Ownership Not Verified -64.6459913 1.9616737 -32.9545075 0.0000000
haStatusIOWNV,IRND - Ineligible Ownership Not Verified, Reported No Damage -94.6991694 3.2174036 -29.4334128 0.0000000
haStatusIOWNV,ISC - Ineligible Ownership Not Verified, Sanctioned Community in SFHA -104.1394923 47.5490326 -2.1901496 0.0285137
haStatusIOWNV,NCOMP - Ineligible Ownership Not Verified, Non compliant with flood insurance requirement -83.3742107 8.3000980 -10.0449670 0.0000000
haStatusIRCT - Ineligible Recertification -33.6408444 1.6801035 -20.0230790 0.0000000
haStatusIRND- Ineligible - Reported No Damage -29.3329006 1.6743782 -17.5186823 0.0000000
haStatusISC - Sanctioned Community in SFHA -96.5925526 10.7428095 -8.9913679 0.0000000
haStatusNCOMP - Non compliant with flood insurance requirement -87.2423216 2.3261069 -37.5057226 0.0000000
haStatusNo Longer in 403 Agreement 4.3195807 6.9664777 0.6200523 0.5352235
haStatusTransitional Sheltering Assistance Reimbursment -87.4308364 3.2118179 -27.2216041 0.0000000
haStatusTransitional Sheltering Reimbursement Not Eligible -89.6334940 2.2250432 -40.2839346 0.0000000
haStatusTSA - Transitional Sheltering Assistance -69.5825112 1.6403193 -42.4201023 0.0000000
haStatusTSAI - Transitional Shelter Assistance Information -53.4989591 1.8566488 -28.8147974 0.0000000
haStatusW69B - Withdrawn - Signature not Obtained (90-69B) 2.9018171 13.2738325 0.2186118 0.8269525
haStatusW69D - Withdrawn - Signature not Obtained (90-69D) -87.4966318 2.4412167 -35.8414031 0.0000000
haStatusWNC - Withdrawn - No Contact -76.7407658 2.2308736 -34.3994239 0.0000000
haStatusWVO - Withdrawn - Applicant Withdrew Voluntarily -84.9837029 1.6016066 -53.0615339 0.0000000
rentalAssistanceEligible 101.5491146 0.2860944 354.9496376 0.0000000
autoDamage 5.3800461 0.1733163 31.0417727 0.0000000
tsaEligible 9.4259856 0.3924386 24.0190083 0.0000000
residenceTypeAssisted Living Facility -1.8518372 2.6333903 -0.7032141 0.4819225
residenceTypeBoat 12.9367780 2.6355281 4.9086094 0.0000009
residenceTypeCollege Dorm 3.1917171 6.6848838 0.4774529 0.6330398
residenceTypeCondo 0.0699841 0.4899031 0.1428529 0.8864064
residenceTypeCorrectional Facility 2.9398724 7.7127494 0.3811705 0.7030768
residenceTypeHouse/Duplex 0.0848483 0.1937901 0.4378362 0.6615052
residenceTypeMilitary Housing -10.8520570 3.6504046 -2.9728368 0.0029507
residenceTypeMobile Home 1.0121162 0.2406209 4.2062687 0.0000260
residenceTypeOther 1.5217274 0.5259604 2.8932359 0.0038130
residenceTypeTownhouse -1.8777444 0.4427326 -4.2412605 0.0000222
residenceTypeTravel Trailer -5.4781445 0.6527415 -8.3925171 0.0000000
residenceTypeUnknown -1.5493580 3.8124733 -0.4063918 0.6844548
sbaApproved 5.1520369 0.2716843 18.9633211 0.0000000
grossIncome$15,000-$30,000 -7.7218644 0.3455741 -22.3450304 0.0000000
grossIncome$30,001-$60,000 -4.9839953 0.3404161 -14.6408903 0.0000000
grossIncome$60,001-$120,000 -1.9990896 0.3490065 -5.7279442 0.0000000
grossIncome<$15,000 -7.8550250 0.3535567 -22.2171597 0.0000000
grossIncome>$175,000 0.3142794 0.5017312 0.6263899 0.5310594
grossIncome0 -2.9120972 0.3713993 -7.8408796 0.0000000
homeOwnersInsurance 7.4777885 0.1470801 50.8415972 0.0000000
poly(IAfloodDamageAmount, 4)1 6721.0388582 58.3275371 115.2292587 0.0000000
poly(IAfloodDamageAmount, 4)2 -5815.8605091 51.7902138 -112.2965147 0.0000000
poly(IAfloodDamageAmount, 4)3 4916.0965604 49.9933991 98.3349132 0.0000000
poly(IAfloodDamageAmount, 4)4 -3924.7749238 48.8784403 -80.2966482 0.0000000
applicantAge19-34 0.3425085 0.6169886 0.5551294 0.5788063
applicantAge35-49 1.1946832 0.6142409 1.9449749 0.0517783
applicantAge50-64 1.6476657 0.6154024 2.6773793 0.0074202
applicantAge65+ 3.6855470 0.6214942 5.9301388 0.0000000
personalPropertyEligible:IAppfvl 0.0021708 0.0000435 49.9136005 0.0000000
disasterNumber:ihpMax -0.0018036 0.0006131 -2.9418972 0.0032622